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The Relationship Coaching Institute

Personal Disaster Recovery

Systemic Solutions with Martyn Carruthers

What disasters could strike your home? How can you protect yourself and your property against a crisis?

Fires

  • Install smoke detectors
  • Clear any brush or dry undergrowth surrounding your home
  • Contact your fire department for advice

Floods / Tsunami

  • Ask local utilities to show you how to shut off gas and/or how to elevate utilities
  • Elevate utilities to an upper floor or attic
  • If your home is in a flood area, on a fault line, or threatened by erosion, consider moving

Hurricanes / Tornadoes

  • Have your house inspected to find out what could prevent or reduce disaster damage
  • Anchor the house to the foundation, and anchor the roof to the main frame
  • Install hurricane shutters for windows, and get plywood covers for glass doors
  • Cover windows, disconnect utilities, or move possessions to a safer location

Earthquake

  • Secure objects that could cause damage, such as bookcases or hot water heaters
  • Practice rapid evacuation of the building
  • Frame houses tend to withstand some disasters, while brick homes hold up better in others

Household Inventory

Inventory your household possessions to:

  • Help prove the value of what you owned after a disaster
  • Expedite fast, fair payments from insurance companies
  • Document losses for tax deductions

To make a home inventory:

  • Record the location of important financial and family documents, such as birth and marriage certificates, wills, deeds, tax papers, insurance policies, and stock and bond certificates. Keep the originals in a safe place and store copies.
  • Record your possessions. Use a camera or videotaping equipment (or borrow or rent it)
  • Go from room to room, describing each item, when you bought it, and how much it cost
  • If you're photographing or videotaping, have someone open closet doors and hold up items
  • Record models and serial numbers
  • Include less valuable items, such as towels, linen and clothes
  • Include the contents of your attic, basement, and garage
  • Note the quality of expensive furnishings and fixtures
  • Photograph the exterior of your home
  • Photograph cars, boats, and recreational vehicles
  • Copy receipts and canceled checks for valuable items
  • Get professional appraisals of jewelry, collectibles, artwork, etc
  • Update the appraisals every two or three years
  • Update your inventory annually

Once you have an inventory, leave a copy with relatives or friends, or in a safe deposit box

Insurance

Homeowner insurance may not cover floods and other major disasters. Ensure you have the insurance you need. Be aware that some insurance companies avoid, minimize and delay payouts. If you own a home:

  • Consider full replacement or replacement cost insurance
  • Investigate guaranteed replacement cost insurance policies
  • Have your home periodically reappraised
  • Update the policy to include home improvements, such as basement refinishing
  • Know what the policy will and will not cover, and the deductibles
  • Check that your policy's coverage matches the value of your possessions

Rental Accommodation

  • Consider relocating away from flood areas or fault lines
  • Your landlord's insurance won't cover damage to or loss of your possessions
  • Will the policy pay for expenses if you have to have to live somewhere else?
  • Comparison shop as policies vary from company to company
  • Discounts may be available if you have multiple insurance policies with a company

Special Coverage

  • Floods. Homeowner policies rarely cover flood damage
  • Earthquakes. Premiums are often high, and deductibles may be up to 20%.
  • Home offices. Some policies cover computer equipment and other business property
  • Potential problems include mines (beneath your property), sewer backup, and mudslides
  • Expensive items. Additional coverage for specific jewelry, collectibles, art, furs, etc

Cash

After a disaster, you may need cash. To stay solvent, consider:

  • Keep cash or traveler's checks where you can get it quickly in case of evacuation
  • Create an emergency fund. (This can be helpful in any financial crisis)
  • Keep emergency funds in a safe, easily accessible account
  • Keep some funds outside the local area, perhaps in another city
  • Keep your credit cards paid off. You may need them

Evacuation box. Buy a lockable, durable "evacuation box" to grab in an emergency. A cardboard box would do. Put important papers into the box in sealed, waterproof plastic bags. Store the box in your home where you can get it easily. If evacuated, keep this box with you at all times.

An Evacuation Box could carry:

  • Traveler's checks or cash and a few rolls of coins
  • Negatives of important personal photographs, in plastic sleeves
  • Emergency contacts of doctors, lawyers, clergy, contractors and family members
  • Copies of prescriptions for medicines and spectacles, and immunization records
  • Health, dental, or prescription insurance cards and information
  • Copies of insurance policies (or at least policy numbers) and insurance telephone numbers
  • Copies of important records (or their locations). Deeds, titles, wills, letters of instruction, birth and marriage certificates, passports, employee benefits, tax forms, etc.
  • Backups of financial records
  • Bank account, credit card, driver's license, passport and Social Security numbers
  • Safe deposit box keys

Safe deposit boxes protect originals of important papers, or keep copies in your evacuation box or with family or friends. Original documents to store in a safe deposit box include:

  • Deeds, titles and other ownership records for your home, vehicles, boat, etc
  • Birth certificates and citizenship papers
  • Marriage license, divorce papers and child custody papers
  • Passports and military or veteran papers
  • Appraisals of valuable jewelry / heirlooms
  • Certificates for stocks, bonds and other investments
  • Trust agreements
  • Living wills, powers of attorney, and health care powers of attorney
  • Insurance policies
  • Home improvement records
  • Household inventory

Originals of wills should not be kept in a safe deposit box since the box may be sealed temporarily after death. Keep originals of wills with your local registrar of wills or your attorney.

Safes and fire boxes can be convenient places to store important papers. Some disasters, such as hurricanes, floods or tornadoes, could destroy your home. Maybe store original papers in a safe deposit box or at a location well away from your home.

If you have time...

Some disasters, such as tornadoes or earthquakes, strike with little warning. Others, such as floods or hurricanes, may allow time to prepare. If there is enough time, you could:

Create a priority list. Perhaps include:

  • Clothes for a few days
  • Jewelry and other small valuables
  • Irreplaceable heirlooms, mementos and photos
  • A battery-powered radio and spare batteries
  • Take important papers and computer disks if you have a home business

Contact local emergency management service. Learn about potential disasters in your area and how you can help others who are affected by a disaster. Attend first aid and CPR training.

Emergency Coaching

Martyn Carruthers served on Royal Navy nuclear submarines during the Cold War. He was health physics and safety officer at English and Canadian nuclear power stations, and Radiation Protection Officer for the Canadian government, where he worked with Public Health and Emergency Measures organizations. Martyn founded Systemic Solutions, a complete system of coaching and coach training.


Emergency Training

Systemic Coaching

  • Emergency Preparedness
  • Contingency Exercises
  • Crisis Management
  • Dealing with Trauma and PTSD
  • Refugee Management
  • Resolve relationship entanglements
  • End post-traumatic stress disorders
  • Dissolve toxic mentorship
  • Couple and family coaching

 


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Workshop

Systemic Coach Training  (Calendar)

Systems 1 How to evaluate relationship dynamics and recognize common entanglements
Systems 2 How to define life goals, identify blocks, resolve objections & plan for success
Systems 3 How to provide or continue goalwork using interactive metaphors and Dreamwork
Systems 4 How to dissolve the consequences of abuse and trauma, and rebuild motivation
Systems 5 How to change limiting beliefs and codependence for emotional freedom
Systems 6 How to recognize and resolve identity loss: recover lost qualities and lost skills
Systems 7 How to resolve therapist or spiritual damage and provide inspirational mentorship
Systems 8 How to coach partners to build lasting happiness and avoid partnership breakdown
Systems 9 How to coach parents to resolve family problems and to set and enjoy family goals
Systems 10 How to coach team leaders to develop teams while solving team problems
Specialty Advanced workshops and specialty training tailored to fulfill your goals and needs

Copyright © Martyn Carruthers 1996-2009 All rights reserved. These Systemic Solutions were primarily developed by Martyn Carruthers. We coach and train people to succeed by solving emotional and relationship problems. This information is for your general knowledge only. Please consult a physician about medical conditions and before changing any medical treatment. Link to our pages, but get Martyn's written permission to post or publish his work.

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