Tag Archives: disaster

Are You Covered? 3 Must-Dos for Home Insurance

Angel Lax Insurance Agent - 1

Angel Lax • Allstate Insurance Co • 510-634-1171

While organizing homes and offices, we are often asked what kind of documentation is needed in case of a loss.  So, we asked our friendly Allstate Insurance Agent, Angel Lax, for her help. Here is her advice…

Document Your Belongings

  • A quick video showing the contents of the house, including closets and basements. In clothes closet, show tags on designer clothes. Save this to the cloud via email, google drive, Dropbox, even a flash drive in your Safe deposit box.  Update regularly.
  • Special items: make sure your insurance agent knows of valuables such as jewelry, fine art, musical instruments or collectibles. If your homeowner’s policy has limits on these items you may need an additional policy or rider. If you don’t call out these more valuable items (“scheduled” in insurance language) you’re limited on reimbursement.
  • If you don’t have a list of lost items, the company will give you ~70%, depending on the company, of the “personal property limits” listed on your policy. Most of the time, that will be less than if you have good documentation of what you lost.

Organize Your Documents

Create an “insurance” file either in paper or digitally or both

  • Include the name of the company
  • Named insured
  • Policy number
  • Deductibles
  • For big-ticket items, note serial numbers and take a picture of the receipts to keep with insurance documents

Review Your Coverage

Make sure you are covered appropriately…have you contacted your agent in the last year or two? The agent will evaluate the value of your home, based on the size, condition and quality of your components. The quality ranges from economy to standard to above standard to high end. This rating informs the amount of coverage you need to replace.  For older homes, some companies encourage a 150% replacement cost plan which covers you in case you need to bring items up to code in the event of a loss. Or, if there is a pricing surge, like there has been in Sonoma and Napa counties, the extra percentage can alleviate that challenge…or if there has been an error in evaluating the value of the replacement.

Use this opportunity to re-acquaint yourself with your things and maybe clear out a closet or two. Even if you only do a few of the items above or only manage to inventory some of your rooms you’ll be better off than not taking any action – progress is better than perfection!

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Are You Ready For An Emergency?

earthquake

The earthquakes this week inspired a re-post of this valuable info!

In California we live with the possibility of wildfires and earthquake disasters year round. Being prepared can provide peace of mind, even if we aren’t ever faced with an emergency.

We know we should be prepared for natural or personal disasters. But we lead busy lives. Who has time to deal with something that MIGHT happen, someday?

There are ways to upgrade your disaster preparation without getting overwhelmed.

Remember ANY amount of preparation is better than none.

Most Vital: Procure and Store Water

Following a disaster, clean drinking water may not be available. Your regular water source could be cut-off or compromised through contamination. Experts say that you need to enough water for a minimum of 3 days, that’s 3 gallons per person or pet. But it’s better to have a 2 week supply.

 

Now that we’ve covered the most valuable resource, let’s choose just three of the next most important preparations and accomplish them.

Step One: Get a kit

If you are busy, purchasing an emergency kit is easier and faster than making your own.

Here is a great option from EmergencyKits.com with all the supplies the Red Cross recommends.

 

 

Emergency Backpack - 1

There are many vendors for earthquake backpacks.  It’s good to be able to customize your kit.

This kit also provides both bags of water and water purification tablets. The bags of water are not enough for 72 hours (which the Red Cross recommends). So the tablets are crucial. But to use the tablets you’ll need a receptacle for holding water. Add this collapsible water container to your order and put it in your kit and you’ll have enough water for 72 hours or longer.

While you are reading this article, click and order, and you will have accomplished Step One! Store the kit in your car for quick evacuation or emergencies on the road.

Step Two: Make a plan

An emergency plan refers to knowing who to call for help, how to get in touch with loved ones, and where to go if you need to evacuate your home.

Print one of these emergency card templates for each member of your family. Fill them out together as a family activity. Keep the cards in wallets or backpacks.

Step Three: Get informed

Next time you wait at the doctor’s office or are put on hold by AT&T, put these key contacts in your phone and copy them into your wallet. They are valuable sources for information during a disaster.

  • Safe and Well Website. To let your friends and family know you are safe, register on the American Red Cross Safe and Well Website. You may also call 1-800-RED CROSS (1-800-733-2767) and select the prompt for “Disaster” to register.

Now that you see you can accomplish three major steps in disaster preparation, visit Ready.Gov to learn more emergency preparations you can incorporate into your life.

Thank you to NAPO-SFBA and Emily Fox for inspiring this post.

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Using a Storage Shed to Help You Declutter

Usually when we talk about shedding we mean purging – today we’re talking about storage!

Don’t overlook your side yard and back yard as places to expand functional storage. It doesn’t take a huge footprint to add in a decent capacity storage shed.

There are many vendors of pre-made sheds in all sizes, shapes, and materials. Some can sit directly on the ground and some need a foundational base of concrete or pilings. Often a handyman can help with the preparation and assembly or the company you buy the shed from may offer that service as well. As an example, it took our handyman 10 hours to fully assemble 3’ x 6’ shed that did not need a foundation. So, don’t forget to factor in the cost of labor in the price of your shed.

Things to consider storing in a shed:

  • Tools
  • Bikes
  • Sports equipment
  • Camping supplies
  • Yard/gardening tools & supplies
  • Car supplies
  • Emergency supplies
  • Holiday decorations
  • Ladders
  • Extra paint and building materials
  • Out of season or size clothes
  • Memorabilia
  • Archive documents

If you’re storing things like clothes, papers, or memorabilia, make sure they are in tightly lidded tubs.

Sheds go beyond pure storage and can be working areas as well.  Some can be wired with electricity, have flooring, and function as small studio or office spaces.

As with organizing any space, be very conscious about how you populate it. Use the vertical space as much as possible by adding in utility shelving or appropriate hangers for things like ladders and bikes. Use larger, stackable tubs to group small items where appropriate and don’t forget to label them. Painter’s tape makes a quick, large label you can write on (use a thick marker) and change easily if needed.

Having extra storage is grand but beware – sheds can be a tempting dumping ground and quickly get out of hand!

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Just In Case…Do You Know Where These Documents Are?

Checklist

Let’s have a show of hands.  Who loves to prepare for disasters and contemplate death?

…We didn’t think so.

Let’s have another show of hands. Who thinks of others and would like to make life easier on family and friends?

Here is a simple project to prepare for the unexpected. Regardless of the state of the rest of your house, these are the documents to keep organized and accessible just in case:

  1. Life or disability insurance policies and/or agent contact information. Don’t forget to include any coverage offered through your employer and/or auto insurance.
  2. List of assets and open accounts – you can gather sample statements or create a list of all accounts, loans, lines of credit, etc.. Make sure to include the safe deposit box key and information.
  3. Trust Document and/or name of your attorney
  4. Will
  5. Healthcare Directive and Financial POA
  6. Passwords and log-ins to unlock the phone or computer
  7. Medical cards and list of doctors/caregivers
  8. List of prescriptions
  9. Vital Records: Birth certificates, Social Security cards, marriage certificates, copies of drivers licenses
  10. If you own a business, who are the key contacts? What is your emergency plan?
  11. Funeral arrangements

Whether you are partnered or not, identify the person or persons who would be tasked with managing things in your absence and share with them the locations of these documents. It’s ideal to also keep a digital copy of these items and make sure your trusted helper has access to those as well.

Think of how much easier it will be for your loved ones, and better for you, if in the time of crisis they don’t have to dig through various drawers and files looking for information unsure what they may be missing. Creating a simple system for just in case is the kind of gift that provides peace of mind to you and to those who are left to take care of business when you can’t.

 

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Filed under Business Organizing, Decluttering, General Organizing, home organizing, middle-age, organizing, Paper, paper organizing, Perspective, Seniors, Strategies

5 Reasons To Get Organized Before You Get “Old”

5 Reasons Organize Before Old

1. Moving is challenging at any age

And it only gets harder the older you get. Having a really organized home dramatically simplifies a move — if you decide that’s what you want.

2. Alleviate hidden stress

You will have many years without the nagging feeling like you “should” be getting organized. Studies show that the volume of possessions can elevate stress hormone levels.

3. Make your own choices before someone has to make them for you

1 in 10 people over 65 and older have Alzheimer’s dementia and almost 2/3 of Americans with Alzheimer’s are women.

4. Expect the unexpected

Sudden illness may strike, leaving you with your pants down. Who do you know who has looked forward to their retirement years to catch up on all those postponed house projects and been caught off guard by a stroke or onset of dementia?

5. Get a fresh start now!

Getting organized is like starting a life chapter. The process of decluttering enables you to take stock of your past and make decisions about what you will bring forward into your future. What do you have from your past you’d like to leave behind?

Start organizing today by tackling one small space…a drawer, a shelf or countertop.  And reward yourself for your efforts!

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Filed under Decluttering, downsizing, General Organizing, home organizing, middle-age, Perspective, Seniors

It’s Crisis Time: Do You Know Where Your Documents Are?

disaster preparedness - 1

The worst time to try and find something is when you need to have it and have little time to find it. Crises strike in many forms – natural disasters, family deaths, sudden moves, illness, divorce. Hindsight is 20-20 and that’s when we often get total clarity about what could have been done to prepare and alleviate some of the stress of the crisis.

You can be one step ahead by finding and organizing critical documents. Believe it or not, we have found all these for clients hiding among hundreds of other papers in drawers, bags, and boxes…

  • Titles for cars
  • Deductible receipts and statements for the current year
  • Grant deeds for owned property
  • Passports, birth certificates and death certificates
  • Original stock certificates
  • Improvement receipts so homeowner could deduct from purchase cost of house to reduce taxable profit
  • Genealogy records
  • Open bank and credit accounts that had been forgotten
  • Will and trust documents
  • Life insurance policies
  • Contact info for all companies that insurance you
  • Passwords
  • Social Security card
  • Pension and retirement plan records
  • Marriage and divorce documents

Many of these can be replaced if lost but often not without cost and hassle.

If you aren’t ready to create an entire filing system at least make sure to create a dedicated home for these essential documents.

Bonus: keep your important documents in something portable that you can grab in an emergency.  If all you have is a cardboard box to collect your important documents, use it.  Progress is better than perfection!

If you want to go a step further, there are products available to help you capture your vital documents. A few to consider are: FreedomFiler®Vital Records PORTAVAULT® or Suze Orman’s Protection Portfolio.

“The Freedom Filer kit is fantastic and was easy to move when I evacuated. Everything I needed was there. I love it!” Kathleen, LA wildfire evacuee

See our prior post about how FreedomFiler® works.

 

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Filed under Decluttering, Moving, Paper, paper organizing

September is National Preparedness Month

Do you know the 3 actions everyone should be prepared to take?

National Preparedness Month is a good time to enroll in the San Francisco Chapter of the National Association of Professional Organizers ARE YOU READY? Workshop.  This 3-hour afternoon class in San Francisco is geared to professional organizers. But if you are the household manager by default, this is a must-do activity to help you prepare your family for any emergency. Getting systems in place to protect your financial life, your person and your home will give you peace of mind when any disaster strikes.

Empower yourself by learning strategies to:

Shelter, Evacuate & Rebuild

…and have fun mingling with forward-thinking and enthusiastic Professional Organizers who are absorbing the newest techniques for helping people in any situation.

This $99 workshop is being offered at the Hotel Kabuki, San Francisco on Friday, October 17th, 2014 from 1:00 to 4:00 PM with a post-workshop reception.

access REGISTRATION FORM  by clicking on this graphic:

AreYouReady

 http://tinyurl.com/AreYouReadyRegistration

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Filed under Garage, General Organizing, Kids, Memorabilia, Office, Perspective, Storage, Strategies