Being Prepared for Tornado Season

As Oklahomans we know tornado season well.  We’re all familiar with the inevitable gathering around the TV to watch what Mother Nature wants to dish out.  In those moments we ask ourselves, “Are we  really ready for a natural disaster?”  “Worst case scenario, if a tornado hits my house today, would I have everything I need to start over?”

The answer for me is usually a resounding “no”, but then tornado season is over, and we go about our lives again until next year.  What can we do to be prepared?  I don’t have all the answers, but I do have some tips to help you be better prepared for tornado season.

Keep Cash on Hand

If the community loses power, chances are you won’t have access to your cash.  So, you’ll be glad you have some cash on hand to help you through the first week.  I would recommend $200-$300 for food and necessities until the power is restored.  Small bills work better since most stores won’t be able to break everyone’s large bills.

Have a Stout Emergency Fund

If you are unable to return to work or have significant damage to your home, you’ll need to use your emergency fund to support you and your family until you get back on your feet.  This fund will need to be used for insurance deductibles and necessities until you get can get back to work.

Have the Proper Insurance Coverages in Place

The majority of Homeowner’s can’t even remember what their policy covers or if it covers everything it needs to. Dave Ramsey has a list of ELP’s that will look over your policy free of charge and see if anything needs to be changed.

Open a Safe Deposit Box

Having all of your important documents in a safe place will give you peace of mind if something were to happen to your house.  These documents will be invaluable as you try to rebuild your life and save you several steps in the long run.