Prepare Kansas

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Disaster Planning with Young Children

September is National Preparedness Month. It is also our annual Prepare Kansas online challenge. Prepare Kansas 2017 will provide tips on getting financially prepared ahead of disasters and emergencies. This year’s program will be conducted through the K-State Research and Extension Facebook page. No registration is required, so Kansans and anyone interested in planning ahead for emergencies can follow on Facebook and this blog at any time during September, pick up handy information and interact with K-State extension specialists and agents. Today’s post is written by Bradford Wiles, Early Childhood Development Extension Specialist.

Image by Mustafa Lazkani-9/21/2017

Disaster planning and preparedness can be difficult for families with young children. There are many issues to consider when confronting the challenges of disaster preparedness when it comes to young children. The true challenge stems from the need to make sure you keep children safe, without making them overly concerned about disasters. Balancing this involves knowing the children in your care, understanding developmentally appropriate practices, and understanding the goals for preparedness. Families can plan and prepare for emergencies in the following ways.

 

Develop a plan for emergencies

At home

Developing and practicing a plan for emergencies at home is crucial for any family’s success in navigating the perils of them. Practicing with children should also include some explanation of what to expect. Children need to be able to understand that it might get scary, and that even the adults might get scared. This information should be provided with the assurance that the adults will do everything they can to protect them and keep them safe. Children are naturally afraid of the uncertainty associated with emergencies, and it is important to help them understand that while they are scary, with good planning and listening skills, they can be safe. Practicing with children should be made to be fun, but making sure that they are listening and paying attention is an important aspect of safety in an emergency. Here are some games you can use with children to help plan for an emergency. Children need to know that while they are having fun, there is a serious aspect to the practicing. It is also important that we let them know that it is OK to be afraid, but that adequate preparation can help them feel like they are going to be safe. Providing a location where young children (4-6) can find their, and their parents/primary caregivers contact information (should they not be present), is a concrete action to take.

Finally, helping them feel like they can be safe, whether there are adults with them or not, can bolster their feeling prepared and acting safely during an emergency. We can do this by practicing their emergency response routines, encouraging them to talk about their plan, and being proactive in modeling our own emergency preparedness practices depending on the event. Fire preparedness requires evacuating, while weather events often require that we shelter in place. At the end of this post is a checklist of materials for adults and children.

At school/preschool

Creating a kit for your child or children to have when at school or preschool can help them during an emergency. You can start by creating a small emergency kit, and include essentials such as an information card with reunification locations, phone numbers and other contact information, out of town contacts, home address, and any special health or medical needs. Including some family pictures, including of the household pets, some toys, games, books, and other comfort items can be very helpful for making children feel calm and prepared in an emergency. Including non-perishable snacks children can consume when they are stressed can help. Make sure to have a mini first aid kit and a picture of the child in the kit so it can easily be given to the child. A change of clothes, and especially an extra set of shoes should be included as well. Keeping these in a waterproof container can also help make sure that they are available if they get wet.

Fire preparedness

One of the best ways to help children learn what to do during fires is to make the activities fun. The heaviness of disaster preparation can be offset by adults making games and fun competitions out of the tasks. For example, in preparing for escaping a house fire, getting low and crawling toward the nearest exit of the house is the best way to escape. This is a tremendous opportunity to get on the floor and have a crawling race on the way to the door, or you can make funny noises on the way. You can also have some fun during fire preparedness by practicing the, “stop, drop, and roll” technique. You can have this be a fun thing to do at random times in the day. Simply say, “Stop! Drop! Roll!”, and roll around on the floor together!

Weather event preparedness

There are multiple weather events that require preparedness, ranging from hurricanes to tornados, and including severe thunderstorms, and hail. These can create some anxiety in children, as they often require spending time in unusual places such as the basement, or an interior room of a house. To make sure that both the drills and the times that you need to stay in those places during inclement weather are tolerable, adults must be mindful of what children need to be distracted or entertained. When sheltering in place with children, having emergency supplies such as flashlights, water, a radio with fresh batteries, and other essentials is only half the battle! Having toys that children can play with, especially their favorite toy (if you can grab it before you have to take shelter). Making sure to include fun, engaging activities such as card games like “Go Fish”, puzzles, blocks, and other shared activities will help to pass the time.

Flooding preparedness

Flooding presents a threat that is very different from fire or wind events. The threat of flooding should be taken seriously by adults, as children cannot really make decisions about what to do. Flooding emergencies can be hard to predict, but making sure that you are able to evacuate your house should it be threatened, and that children can get to safe places is paramount. Flooding, whether due to hurricanes or severe storms, can present a huge challenge for emergency planning. Should hurricanes be threatening your area, be sure to check the storm surge maps (http://www.nhc.noaa.gov/nationalsurge/), and follow the storms at the National Hurricane Center (http://www.nhc.noaa.gov/). Please remember that storms do not merely threaten coastal areas, as they can remain quite powerful systems far inland. You can determine your flood risk by entering your address at the Federal Emergency Management Association website (https://msc.fema.gov/portal/search).

Summary

  •  Make sure to have an emergency plan that your children know, and materials for them to share with adults to help them find their caregivers in the event of separation
  • Make sure to have toys and games for children in your safe spaces
  • Be sure to convey the importance of being safe, and that it is OK to be afraid
  • Teach children that they can be safe on their own, whether adults are present or not
  • Have fun and practice, practice, practice!

Resources for children’s emergency preparedness:

#PrepareKansas – Week 4, Developing and Practicing a Family Communication Plan

September is National Preparedness Month. It is also our annual Prepare Kansas online challenge. Prepare Kansas 2017 will provide tips on getting financially prepared ahead of disasters and emergencies. This year’s program will be conducted through the K-State Research and Extension Facebook page. No registration is required, so Kansans and anyone interested in planning ahead for emergencies can follow on Facebook and this blog at any time during September, pick up handy information and interact with K-State extension specialists and agents. Today’s post is written by Elizabeth Kiss, Family Resource Management Specialist.

Communication is key. This week’s challenge is to develop and practice a family communication plan.

Why is this important? When an emergency or disaster occurs, it is unlikely that everyone will be at home. It is important to have an emergency plan so that all family members know what to do and can check in with one another. The same goes for your workplace.

After you’ve developed a family communication plan, share the details with everyone who needs to know about it. Then, practice implementing it.

Not sure how to get started? It can be as easy as a conversation over dinner.

To start your emergency plan, FEMA and ready.gov recommend discussing these 4 questions with your family, friends, or household.

  1. How will I receive emergency alerts and warnings?
  2. What is my shelter plan?
  3. What is my evacuation route?
  4. What is my family/household communication plan?

Learn more at www.ready.gov/make-a-plan The Family Emergency Communication Guide will walk you through the steps. Use the Wallet Sized Emergency Communication Plan to record all of the important details.

Disasters don’t plan ahead. You can. Make an emergency plan today.

Today is National Preparedness Day!

Friday, September 15 is National Preparedness Day. Take part by continuing to work on the #PrepareKansas challenges!

  • Our challenge for Week 1 was to prepare, our update, your household inventory. Don’t forget to include the attic, basement, garage, and storage areas.
  • Our challenge for Week 2 is to review your homeowner’s/renter’s and auto insurance coverage. Things to review are what’s covered, your deductibles, and policy limits.

Not sure how to get started on these challenges? Jamie Rathbun, family and consumer sciences agent, K-State Research and Extension Midway District goes Live each Thursday in September to show you how.

Missed one of the Live events? Access the Week 1 recording at http://fb.me/41Y5Dvd8g  and the Week 2 recording at http://fb.me/1k1mj5v84 

Have a great weekend and check back on Monday for the Week 3 challenge!

Insurance Considerations for Farm Families and Small Business Owners

September is National Preparedness Month. It is also our annual Prepare Kansas online challenge. Prepare Kansas 2017 will provide tips on getting financially prepared ahead of disasters and emergencies. This year’s program will be conducted through the K-State Research and Extension Facebook page. No registration is required, so Kansans and anyone interested in planning ahead for emergencies can follow on Facebook and this blog at any time during September, pick up handy information and interact with K-State extension specialists and agents. Today’s post is written by Debra Wood,CFP®  K-State Research and Extension – Central Kansas District Family Resource Management Agent.

Most of the focus of #PrepareKansas has been around preparing yourself and your family ahead of a disaster.

Photo credit: Reed Koop

Farm families and other small business owners have another element they should consider when preparing that inventory and reviewing insurance coverage.

My story

Our home and farm was hit by an EF4 tornado on May 25, 2016. Everything was totally destroyed. Ten buildings were wiped out down to the concrete slabs. Machinery was ground up into little pieces. In addition to coming up with a list of household contents, we had to think through what was in all the sheds, the office and the shop.

Photo credit: Linda Roskens

The machinery was scheduled on an insurance policy. We did not have some items insured, such as trailers and older equipment deciding to retain that risk, knowing we could cover that expense if something happened to them. We never thought it would all disappear at once, in an instant. One or two items, though, we discovered had not been added to the policy. This demonstrated to us the importance of having an emergency fund for the household, and also for the business to cover deductibles and things you decide to self-insure.

One thing we had underinsured was shop contents. We had coverage, but it was not nearly enough to cover the cost of all that was lost. Think of how much you have accumulated over the years of your farming or business operation. Has the value on your policy kept up with the value of the buildings, equipment and contents? Reviewing insurance coverage annually is as important for your business as it is your home and auto, to make sure you have adequate coverage in case something happens.

Take a look in each shed and make a list of contents. Do the same for your shop, store, or office contents. List each item, along with the date purchased and cost, if known. Don’t forget items you have stored in a different location. Make sure if you are not insuring an item that it is an intentional decision and not an oversight.

Business considerations

When reviewing your insurance coverage, compare your list of machinery, equipment, and inventory to the list of items you have scheduled on your policy. Is there anything you have forgotten? Are all buildings adequately insured? It may not be economically feasible to insure everything without spending all your profits on risk management. You may have to strike a balance. Decide which risks you want to transfer to insurance, and which you want to retain. Cover those items you can’t afford to lose, and those which are leveraged.

In addition to property coverage for buildings, contents and machinery or equipment, some business owners may want to consider business interruption insurance coverage. For those experiencing something the magnitude of the hurricanes in Texas and Florida, this coverage can help provide funds to make up the difference between your business’ normal income and its income during and immediately after a forced shutdown. These funds can be used to pay regular bills such as rent or mortgage, employee wages, and moving and storage expenses.

Another insurance business owners should review each year is the amount of liability insurance coverage they have. Limits can be increased if needed, and umbrella policies are available to cover the business and owners at a higher level than standard property insurance will cover.

Thanks Deb for sharing your story!