Montgomery, AL – All eyes are
once again on the tropics as Tropical Storm Nate has formed in the western
Caribbean Sea. Alabama Insurance Commissioner Jim Ridling stresses that all
Alabamians need to remain aware and prepared for any storm.
According to NOAA’s National Hurricane
Center, Tropical Storm Nate could become Hurricane Nate before making landfall
in the northern Gulf of Mexico, possibly affecting Alabama.
“All Alabamians should know
their risk and be prepared. It only takes one storm, be it a tropical storm or
hurricane, to cause life-changing damage,” Ridling said. “Being prepared is the
key to protecting life and property.”
While it is still early, Nate’s
current projected track could bring Alabama high winds, heavy rainfall,
tornadoes and flooding. Knowing your risk, getting prepared and staying
informed are just a few steps you can take to get ready during hurricane
Know Your Risk:
Visit www.ready.gov and the NOAA’s National Weather Center to
find information about risks in your area and the severity of oncoming weather
Stay up to date
on disaster readiness, resources and assistance as well as current conditions
from the Alabama Emergency
Management Agency at ema.alabama.gov.
Take action now
to be prepared for hurricane season. As the storm approaches, it is often too
late to get ready. You can find helpful tips at www.ready.gov, the ALDOI,
the Alabama EMA and FEMA.
Make sure you
have a Family/Household Emergency Communication Plan. Get together with your
family and agree on the ways to contact one another in an emergency and
identify meeting locations.
Make sure you
have a family evacuation plan, update your emergency supply kit and evaluate
your flood insurance needs. Evacuations are more common than most people realize.
Make yourself familiar with your community’s evacuation zones, so you’ll know
exactly where to go. Know the locations of shelters in your area. If a
hurricane threatens your community and local officials say it's time to
evacuate, don't hesitate -- go early.
Make sure you
have a way to receive emergency alerts and warnings. Be sure to have a weather
radio and plenty of batteries on hand. Also, FEMA and many local media services
offer free weather apps for your smartphone or mobile device. Many such apps
provide a customizable checklist of emergency supplies, maps of open shelters
and recovery centers, tips on how to survive disasters, weather alerts from the
National Weather Service and push notifications.
Emergency Supply Kits Should
Water: One gallon
a day for each person for at least three days.
Food: Store a
minimum of three days of non-perishable food for each person.
Manual can opener
and plastic plates, cups and utensils.
Baby formula and supplies, if needed.
A list of
emergency contacts, including your local police and fire department, your
utility company and your insurance agent.
A first-aid kit, any
prescriptions and over-the-counter medications that may be needed, and personal
A weather radio,
flashlights and plenty of batteries should the power go out.
Know About Your Insurance: Check your insurance
coverage. Many states have increased deductibles for hurricanes and not
all hurricane-related losses are covered under traditional policies. Most
homeowner’s insurance policies do not cover damage or losses from flooding.
Review your policy, ensure you’re adequately covered and understand exclusions,
and contact your insurer for any possible changes. Some companies place
moratoriums on coverage changes 24 to 48 hours before the storm. If
you’re not insured against flood, talk to your agent or visit www.floodsmart.gov. Renter’s insurance
policies are also available and should be considered as a way of protecting
Stay Informed: Know where to go for trusted sources of information
during a hurricane event. Sign up for alerts from your local emergency
management office so notifications, including evacuation orders, go directly to
your phone and email. Monitor local news for hurricane watches and warnings in
your area and follow directions of local officials.
Additional information and
disaster preparedness tips are available at www.ready.gov/hurricanes and
the Disaster Preparedness page in the “Consumers” section of the Alabama
Department of Insurance (ALDOI) website at www.aldoi.gov or contact the
ALDOI Consumer Service Division at 1-800-433-3966.