went bankrupt, causing the state guarantor to take over claims, gumming up an already slow process. It took nine months to collect her first insurance check.

Not all households have the wherewithal to prepare themselves for the worst. But there is some safeguarding that everyone can attempt. Here’s where to start:

tools can provide a starting point for assessing your home’s risk to earthly hazards.

Risk Factor has created a user-friendly tool that outlines flood, fire and extreme-heat risks (and soon other perils, including wind) for most homes across the country. Plug in an address, and it drills down to the property level, illustrating potential hazards. For example, it can show the probability that a property might flood, where the water is likely to pool, the damage it might cause and how much repairs might cost.

hazard maps for earthquakes, while the Federal Emergency Management Agency and the National Flood Insurance Program maintain flood maps (which also determine whether a home with a federally backed mortgage is required to have flood insurance). The flood program has recently overhauled its rating methodology, called Risk Rating 2.0, but you’ll have to contact a flood insurance agent who can share more about your property’s unique risk, said Jeremy Edwards, a FEMA spokesman.

You may be able to find more local hazard information, too. Californians, for example, can enter their address into the MyHazards website. And if you’re new to a community, talk to neighbors.

you can do to minimize damage if a flood or fire strike. The costs of mitigation will vary, but it may reduce your insurance premiums. Some insurers, for example, provide meaningful discounts in hurricane-prone regions after homeowners install roof braces or straps, said Alyssa Bourgeois, an insurance producer with MarshMcLennan in Metairie, La.

The Risk Factor website provides suggestions for hazards facing specific properties, and many regions have programs offering residents financial help to harden their homes against specific hazards, though funding is often limited.

Evaluate insurance needs. The insurance market varies greatly by locality and the hazards inherent to the area. Standard homeowners’ and renters’ insurance policies do not cover all hazards. Floods and earthquakes always require separate coverage. Wind and hail (hurricane) coverage may carry its own deductible as part of your homeowners’ insurance, or it may be a separate policy, at least in certain areas. Wildfires, meanwhile, are often incorporated into many policies, experts said.

Flood insurance (see Ann Carrns’s guide here) is generally available through the National Flood Insurance Program, which FEMA manages. Most Californians buy earthquake coverage through the California Earthquake Authority, a nonprofit entity created through state law to provide policies through its member insurers.

enough coverage to replace your property — that is, to rebuild it, not what you’d pay to buy it again, said Amy Bach, executive director of United Policyholders, a consumer advocacy group.

But many households in the highest-risk areas, including hurricane-prone states like Louisiana and Florida, are having trouble finding affordable coverage as insurers exit the market in droves.

Jude Boudreaux, a financial planner in New Orleans, said he receives calls weekly from clients questioning whether they should continue living there given the increased insurance costs. “A lot of carriers are leaving Louisiana, so people with policies are getting nonrenewal notices, and there are fewer choices out there,” he said.

Until rates stabilize, many people are resorting to the usual strategies to keep costs manageable, like increasing deductibles and reducing some coverage, including on “other structures” such as garages and personal property.

cars and other vehicles. Comprehensive auto coverage, required by auto lenders, generally provides protection against natural disasters. But older, low-value cars may not have comprehensive (and it may not be worth the cost anyway). “In those cases, we’d recommend setting aside the amount of the premium you’d pay each year into a savings account instead of giving it to the insurer,” Mr. Heller said.

home inventory spreadsheet, the National Association of Insurance Commissioners has a related app, and there are other inventory apps as well.

The least time-consuming method might be to walk through each room of your home with your mobile phone’s video camera, narrating the contents along the way. Don’t forget to open up closets, cabinets and drawers, as well as storage spaces and the garage. Then email the file to yourself, or store it securely online (and perhaps on an external hard drive).

There’s real money at stake: Ms. Gouaux was able to recover only roughly $14,000 of the $53,000 in contents coverage on her wind and hail policy.

“The night we left, someone posted: Make sure you take photos of all the rooms,” she said. “We didn’t do a good job. By the time we got back, everything was all over the place, and it was very hot.”

fireproof and waterproof box. Consider storing electronic copies on an external hard drive (using password protection) or in the cloud.

FEMA’s financial emergency kit has an exhaustive check list of what to gather and protect, along with a 41-page emergency financial first-aid kit that can be filled out online and stored in a secure place. The American Red Cross has a version of its own.

If you have to leave your home, experts suggest taking key documents with you in case you need to file a claim with your insurer or apply for FEMA assistance.

Keep emergency funds. Having access to money for any basic needs is also something to consider. If there’s no electricity and A.T.M.s aren’t working, you’ll probably need cash. Stash some in a safe place.

And if you receive any federal benefits through paper checks, now is the time to switch to automatic electronic deposits. Ditto for any other payments you may receive by mail.

take. Mr. Boudreaux, who has lived with the threat of hurricanes for most of his life, said to walk through your home and think about what’s irreplaceable — it probably fits into a plastic box.

“Define what those things are, or create a list so if someone knocked on your door and said, ‘The fire is coming in 30 minutes’ — what would you take?” he said. “It’s also good life perspective exercise.”

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Biden To Tour Kentucky Flooding Sites With Gov. Beshear

and Associated Press
August 8, 2022

President Joe Biden and first lady Jill Biden will be joined by Kentucky Gov. Andy Beshear and his wife for a briefing on the flooding’s impact.

President Joe Biden and first lady Jill Biden arrived in Kentucky on Monday to meet with families and view damage from storms that have resulted in the worst flooding in Kentucky’s history.

At least 37 people have died since last month’s deluge, which dropped 8 to 10 1/2 inches of rain in only 48 hours. The National Weather Service said Sunday that flooding remains a threat, warning of more thunderstorms through Thursday.

The Bidens will be joined by Gov. Andy Beshear and his wife, Britainy, for a briefing on the flooding’s impact with first responders and recovery specialists at Marie Roberts Elementary School in Lost Creek. They will then tour a hard-hit community in the state and meet directly with those affected.

“They will receive an update on the disaster response, thank those on the front lines and share in the community’s grief,” said White House press secretary Karine Jean-Pierre.

Monday’s visit is President Biden’s second to the state since taking office last year. He previously visited in December after tornadoes whipped through Kentucky, killing 77 people and leaving a trail of destruction.

“I wish I could tell you why we keep getting hit here in Kentucky,” Beshear said recently. “I wish I could tell you why areas where people may not have much continue to get hit and lose everything. I can’t give you the why, but I know what we do in response to it. And the answer is everything we can. These are our people. Let’s make sure we help them out.”

President Biden has expanded federal disaster assistance to Kentucky, ensuring the federal government will cover the full cost of debris removal and other emergency measures.

Jean-Pierre said the Federal Emergency Management Agency has provided more than $3.1 million in relief funds, and hundreds of rescue personnel have been deployed to help.

The flooding came just one month after Beshear visited Mayfield to celebrate the completion of the first houses to be fully constructed since a tornado nearly wiped out the town. Three families were handed keys to their new homes that day, and the governor in his remarks harked back to a visit he had made in the immediate aftermath.

“I pledged on that day that while we had been knocked down, we were not knocked out,” Beshear said. “That we would get back up again and we would move forward. And six months to the day, we’re not just up, we’re not just standing on our feet, we are moving forward.”

Now more disasters are testing the state. Beshear has been to eastern Kentucky as many times as weather permitted since the flooding began. He’s had daily news conferences stretching an hour to provide details including a full range of assistance for victims. Much like after the tornadoes, Beshear opened relief funds going directly to people in the beleaguered regions.

Additional reporting by The Associated Press.

Source: newsy.com

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Biden Heading To Kentucky To See Flood Damage, Meet Families

By Associated Press
August 5, 2022

At least 37 people died in the flooding after 8 to 10 1/2 inches of rain fell in 48 hours last week in the Appalachian mountain region.

President Joe Biden and first lady Jill Biden will travel to eastern Kentucky on Monday to survey the damage from last week’s devastating floods and meet with those affected.

The White House announced Friday that the Bidens would join Gov. Andy Beshear and his wife, Britainy, at a Federal Emergency Management Agency State Disaster Recovery Center. At least 37 people lost their lives in the flooding after 8 to 10 1/2 inches (20 to 27 centimeters) of rain fell in just 48 hours last week in the Appalachian mountain region. The flooding also hit areas just across the state line in Virginia and West Virginia.

More than 1,300 people were rescued in the days after the storm as teams searched in boats and combed debris-clogged creekbanks. Work crews were still trying to restore power and water connections to homes, as residents look to repair their homes and lives after the floods.

Thunderstorms on Friday brought a renewed threat of flooding to parts of Kentucky ravaged by high water a week ago.

The trip will be President Biden’s first trip outside of Washington since he tested positive for COVID-19 on July 21. He has been in isolation awaiting a negative virus test since July 30 with a rebound case of the virus.

Additional reporting by The Associated Press.

Source: newsy.com

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U.S. To Declare Health Emergency Over Monkeypox Outbreak

By Associated Press

and Newsy Staff
August 4, 2022

The declaration comes as the Biden administration has faced criticism over the pace of vaccine availability for monkeypox.

The U.S. will declare a public health emergency to bolster the federal response to the outbreak of monkeypox that already has infected more than 6,600 Americans, two people familiar with the matter said.

The announcement will free up federal funding and resources to fight the virus, which may cause fever, body aches, chills, fatigue and pimple-like bumps on many parts of the body. The people spoke on the condition of anonymity ahead of the announcement.

The declaration comes as the the Biden administration has faced criticism over the pace of vaccine availability for monkeypox. Clinics in major cities like New York and San Francisco say they haven’t received enough of the two-shot vaccine to meet demand and some have had to stop offering the second dose of the vaccine to ensure supply of first doses. The White House said it has made more than 1.1 million doses of vaccine available and has helped to boost domestic diagnostic capacity to 80,000 tests per week.

The monkeypox virus spreads through prolonged and close skin-to-skin contact, including hugging, cuddling and kissing, as well as sharing bedding, towels and clothing. People getting sick so far have been primarily men who have sex with men. But health officials emphasize that the virus can infect anyone.

The announcement comes three days after the Biden administration named top officials from the Federal Emergency Management Agency and the Centers for Disease Control and Prevention to serve as the White House coordinators to combat the monkeypox outbreak.

Additional reporting by The Associated Press.

Source: newsy.com

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Harris To Announce $1B To States For Floods, Extreme Heat

By Associated Press
August 1, 2022

The competitive grants will help communities across the nation prepare for and respond to climate-related disasters.

The White House is making more than $1 billion available to states to address flooding and extreme heat exacerbated by climate change.

Vice President Kamala Harris is set to announce the grant programs Monday at an event in Miami with the head of the Federal Emergency Management Agency and other officials. The competitive grants will help communities across the nation prepare for and respond to climate-related disasters.

“We know that the impacts of the climate crisis are here, and that we must invest in building resilience to protect our communities, infrastructure and economy,” the White House said in a statement.

The announcement comes as the death toll from massive flooding in Kentucky continued to climb on Sunday amid a renewed threat of more heavy rains. In the West, wildfires in California and Montana exploded in size amid windy, hot conditions, encroaching on neighborhoods and forcing evacuation orders.

Multiple Western states continued heat advisories amid a prolonged drought that has dried reservoirs and threatened communities across the region.

Harris will visit the National Hurricane Center for a briefing by the National Oceanic and Atmospheric Administration and FEMA. She also will visit Florida International University, where she is expected to address extreme weather events across the country, including the flooding in Kentucky and Missouri and the wildfires in California.

President Joe Biden announced last month that the administration will spend $2.3 billion to help communities cope with soaring temperatures through programs administered by FEMA, the Department of Health and Human Services and other agencies. The move doubles spending on the Building Resilient Infrastructure and Communities, or BRIC, program, which supports states, local communities, tribes and territories on projects to reduce climate-related hazards and prepare for natural disasters such as floods and wildfires.

“Communities across our nation are experiencing first-hand the devastating impacts of the climate change and the related extreme weather events that follow — more energized hurricanes with deadlier storm surges, increased flooding and a wildfire season that’s become a year-long threat,” FEMA head Deanne Criswell said.

The funding to be announced Monday will “help to ensure that our most vulnerable communities are not left behind, with hundreds of millions of dollars ultimately going directly to the communities that need it most,” Criswell said.

A total of $1 billion will be made available through the BRIC program, with another $160 million to be offered for flood mitigation assistance, officials said.

Jacksonville, Florida, was among cities that received money under the BRIC program last year. The city was awarded $23 million for flood mitigation and stormwater infrastructure. Jacksonville, the largest city in Florida, sits in a humid, subtropical region along the St. Johns River and Atlantic Ocean, making it vulnerable to flooding when stormwater basins reach capacity. The city experiences frequent flooding and is at risk for increased major storms.

The South Florida Water Management District in Miami-Dade County received $50 million for flood mitigation and pump station repairs. Real estate development along the city’s fast-growing waterfront has created a high-risk flood zone for communities in the city and put pressure on existing systems, making repairs to existing structures an urgent need, officials said.

The Biden administration has launched a series of actions intended to reduce heat-related illness and protect public health, including a proposed workplace heat standard.

Additional reporting by the Associated Press.

Source: newsy.com

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President Biden Announces Steps To Tackle Climate ‘Emergency’

Pres. Biden made a speech at an ex-coal plant, which embodies the transition to clean energy that he is seeking but has struggled to realize thus far.

President Joe Biden on Wednesday announced modest new steps to combat climate change and promised more robust action to come, saying, “This is an emergency and I will look at it that way.”

The president stopped short, though, of declaring a formal climate emergency, which Democrats and environmental groups have been seeking after an influential Democratic senator quashed hopes for sweeping legislation to address global warming. President Biden hinted such a step could be coming.

“Let me be clear,” President Biden said. “Climate change is an emergency, and in the coming weeks I’m going to use the power I have as president to turn these words into formal, official government actions through the appropriate proclamations, executive orders and regulatory power that a president possesses.”

President Biden delivered his pledge at a former coal-fired power plant in Massachusetts. The former Brayton Point power plant in Somerset, Massachusetts, is shifting to offshore wind power manufacturing, and President Biden chose it as the embodiment of the transition to clean energy that he is seeking but has struggled to realize in the first 18 months of his presidency.

Executive actions announced Wednesday will bolster the domestic offshore wind industry in the Gulf of Mexico and Southeast, as well as expand efforts to help communities cope with soaring temperatures through programs administered by the Federal Emergency Management Agency, Department of Health and Human Services and other agencies.

The trip comes as historic temperatures bake Europe and the United States. Temperatures reached 115 degrees in Portugal as wildfires raged in Spain and France, and Britain on Tuesday shattered its record for highest temperature ever registered. At least 60 million Americans could experience triple-digit temperatures over the next several days as cities around the U.S. sweat through more intense and longer-lasting heat waves that scientists blame on global warming.

Calls for a national emergency declaration to address the climate crisis have been rising among activists and Democratic lawmakers after Sen. Joe Manchin, D-W.Va., last week scuttled talks on a long-delayed legislative package.

White House officials have said the option remains under consideration. Press secretary Karine Jean-Pierre on Tuesday declined to outline a timetable for a decision aside from saying no such order would be issued this week.

Gina McCarthy, President Biden’s climate adviser, said President Biden is not “shying away” from treating climate as an emergency.

“The president wants to make sure that we’re doing it right, that we’re laying it out, and that we have the time we need to get this worked out,” she told reporters on Air Force One.

Sen. Ed Markey, D-Mass., said he was “confident that the president is ultimately ready to do whatever it takes in order to deal with this crisis.”

“I think that he’s made that clear in his statement last Friday, and I think coming to Massachusetts is a further articulation of that goal,” Markey told reporters Tuesday.

An emergency declaration on climate would allow the president to redirect federal resources to bolster renewable energy programs that would help accelerate the transition away from fossil fuels. The declaration also could be used as a legal basis to block oil and gas drilling or other projects, although such actions would likely be challenged in court by energy companies or Republican-led states.

Such a declaration would be similar to the one issued by President Biden’s Republican predecessor, Donald Trump, who declared a national emergency to build a wall on the southern border when lawmakers refused to allocate money for that effort.

President Biden pledged last week to take significant executive actions on climate after monthslong discussions between Manchin and Senate Majority Leader Chuck Schumer, D-N.Y., came to a standstill. The West Virginia senator cited stubbornly high inflation as the reason for his hesitation, although he has long protected energy interests in his coal- and gas-producing state.

For now, Manchin has said he will only agree to a legislative package that shores up subsidies to help people buy insurance under the 2010 health care law and allows Medicare to negotiate prescription drug prices that will ultimately lower the cost of pharmaceuticals for consumers.

The White House has indicated it wants Congress to take that deal, and President Biden will address the climate issue on his own.

The former Brayton Point power plant closed in 2017 after burning coal for more than five decades. The plant will now become an offshore wind energy site.

A new report says the U.S. and other major carbon-polluting nations are falling short on pledges to fight climate change. Among the 10 biggest carbon emitters, only the European Union has enacted polices close to or consistent with international goals of limiting warming to just a few more tenths of a degree, according to scientists and experts who track climate action in countries.

Additional reporting by The Associated Press.

Source: newsy.com

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