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Tag: Disaster

  • Storms are wreaking havoc on homes. Here’s how to make sure your insurance is enough.

    Storms are wreaking havoc on homes. Here’s how to make sure your insurance is enough.

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    Days after Tropical Storm Hilary battered the West Coast with record rainfall, flash floods and fierce winds, Californians now face another challenge: Figuring out the costs of repairing their battered homes and replacing valuables.

    Climate change has put more Americans in the locus of storms and other extreme weather events that could have devastating consequences on their household finances. In the past year alone, more than 15 natural disasters have hit the U.S., with catastrophes like the Maui wildfires destroying billions of dollars worth of property, according to data from the National Centers for Environmental Information.

    As natural disasters become more frequent and severe, having enough insurance coverage is essential. However, not all insurance policies cover every type of extreme weather event.

    Here’s how to make sure you have the right type of insurance for your home, and how to get additional coverage if you need it.

    Know your plan 

    Standard homeowner policies differ from company to company. Some plans may not cover losses from earthquakes, certain types of water damage, and wind damage caused by tornadoes or hurricanes, according to insurance company Allstate

    To know what your plan covers and how much, check your policy. You can request a digital or hard copy of your homeowners insurance policy directly from your insurance company. In addition, many insurers offer mobile apps that let you view and manage your policy information. 


    Home insurance rates rising nationally

    03:03

    Coverage add-ons

    Insurance policy add-ons, also known as endorsements or riders, allow you to personalize your insurance policy to meet your specific coverage needs, according to personal-finance website Bankrate.

    You can purchase different types of endorsements to alter or extend existing coverage to protect high-value items in your home that are not insured by a basic policy. This helps ensure that any valuable items destroyed in a natural disaster will be replaced by your insurance at their current market value.

    A scheduled personal property endorsement, which extends coverage beyond your basic policy, is one way to insure valuable items such as jewelry. To get this type of endorsement, your insurance company will likely require an appraisal or proof of value for the items you want covered. 

    Alternatively, you can also insure high-end possessions by purchasing additional blanket coverage which is used to increase coverage limits for an entire class of items. For example, if your standard policy covers up to $2,000 worth of artwork, blanket coverage could increase that coverage limit to $10,000. This option doesn’t require an appraisal. 

    Get flood insurance 

    Floods are the most common weather-related natural disasters, and they occur in all 50 U.S. states, according to the National Severe Storms Laboratory. Just one inch of flooding can cause nearly $27,000 worth of damage to a one-story, 2,500 square-foot home, data from the Federal Emergency Management Agency shows. 

    Flood insurance protects your home and other property against flood-related damages. As most home insurance companies don’t offer this type of coverage as an add-on, you’ll most likely have to purchase a standalone flood insurance policy. 

    The National Flood Insurance Program offers policies that you can purchase through an insurance carrier or private insurance company. 

    Keep an up-to-date inventory list 

    Having a list of everything you own can take some of the pain out of filing an insurance claim and help you get the most out of your policy.

    Make an inventory list that includes all of the major items in your home with their dates of purchase and how much you paid for them. Then, snap photos of all the items on your list. If you have receipts for your items, store them alongside your inventory list. These documents can help you get more money from your insurance company to replace your damaged possessions after a weather-related disaster. 

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  • Maui residents say government failed them with wildfire response

    Maui residents say government failed them with wildfire response

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    Maui residents say government failed them with wildfire response – CBS News


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    There are mounting questions in Hawaii about how the Maui wildfires started and what caused them to spread so quickly. State officials are investigating and residents say they’re angry over the government’s response. CBS News national correspondent Jonathan Vigliotti reports.

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  • Historic Hawaiian Town Razed By Wildfire

    Historic Hawaiian Town Razed By Wildfire

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    The historic seaside town of Lahaina that was once the capital of the Kingdom of Hawaii has been largely reduced to ash as wildfires continued to rip through the state, with 36 people already confirmed dead. What do you think?

    “Out of respect, I will wait a day before calling to check on my reservation.”

    Larry Balestras, Patent Holder

    “Just once, I’d like to hear a positive story about out-of-control wildfires.”

    Liza Toles, Bionics Engineer

    “I just hope the wealthy were evacuated in time.”

    Julian Haber, Carrion Exporter

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  • Car Crashes Into Second Floor Of House

    Car Crashes Into Second Floor Of House

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    A driver in Pennsylvania crashed their car into the second floor of a house, with photos from the scene showing the side of the vehicle lodged into the home with its back wheels dangling off the roof. What do you think?

    “I celebrate not that the driver crashed, but that for a moment, they flew.”

    John Denton, Sauce Chef

    “Yeah, I suck at parking, too.”

    Ernest Braatz, Dress Zipper

    “It’s their fault for building a house near a street.”

    Larissa Silvas, Candle Lighter

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  • America may now be in a youth-cession: Consumers over age 60 are propping up the economy

    America may now be in a youth-cession: Consumers over age 60 are propping up the economy

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    Is America going into a recession or not? That depends on who you ask—and how old they are.

    Consumer households from their 20s to their 50s are now spending sharply less on their credit and debit cards than they were a year ago reports Bank of America, after crunching the numbers on its customers.

    At this point it’s mostly those over 60, and…

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  • Two Still Dead In Mausoleum Collapse

    Two Still Dead In Mausoleum Collapse

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    SAVANNAH, GA—Unable to revive the crushed, skeletal remains pulled from the rubble, first responders confirmed Wednesday that two people were still dead after a local mausoleum collapsed. “Upon sifting through the debris, we unfortunately found no survivors among the already deceased,” said rescue worker Brandon Reinhardt, explaining that by the time EMTs arrived on the scene, the crypt’s occupants had already been dead for over 150 years. “We rushed to the scene as quickly as possible, but the victims, Horace P. Wingart and wife, continued to be unresponsive. It appears they were unable to escape, and this remained the case after the collapse caused several large blocks of granite to fall on their coffins.” Local officials confirmed the next of kin had been located in an adjacent grave plot and notified.

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  • Hundreds dead in India train disaster

    Hundreds dead in India train disaster

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    Hundreds dead in India train disaster – CBS News


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    The collision and derailment of several passenger trains in eastern India has left hundreds dead, with many hundreds more injured. We get the latest from our British broadcast partner, BBC correspondent Archana Shukla.

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  • New York City Sinking Due To Weight Of Its Skyscrapers

    New York City Sinking Due To Weight Of Its Skyscrapers

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    A new study has found that New York City is sinking 1 to 2 millimeters each year in part due to the extraordinary weight of its skyscrapers, worsening the flooding threat posed to the metropolis from rising seas. What do you think?

    “Sorry, but Midtown needs 50,000 perpetually vacant apartments.”

    Laszlo Gibbs, Allium Specialist

    “I remember 50 years ago when we were floating 3.94 inches above sea level.”

    Bradley Nelms, Systems Analyst

    “It’s a good thing they’re so tall.”

    Ophelia Andresen, Lunch Consultant

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  • Prince Harry And Meghan Involved In ‘Near Catastrophic’ Car Chase With NYC Paparazzi

    Prince Harry And Meghan Involved In ‘Near Catastrophic’ Car Chase With NYC Paparazzi

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    Prince Harry, his wife Meghan, and her mother were involved in a “near catastrophic” car chase with paparazzi photographers in New York after an event, drawing some parallels with the high-speed Paris car chase that killed his mother Princess Diana in 1997. What do you think?

    “At least we’ll finally see a photo of the elusive Harry And Meghan.”

    Dion Hudson, Plastic Bag Lobbyist

    “You’d think after Princess Diana’s tragic death, they’d know to just give the paparazzi what they want.”

    Carl Kasperson, Style Coach

    “What’s it going to take for them to finally leave the paparazzi alone?”

    Stella Jones, Coin Flipper

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  • Thousands urged to evacuate, seek shelter as powerful Cyclone Mocha bears down on Bangladesh, Myanmar

    Thousands urged to evacuate, seek shelter as powerful Cyclone Mocha bears down on Bangladesh, Myanmar

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    Volunteers in Bangladesh’s coastal districts were using loudspeakers to urge people to seek shelter on Saturday as the delta nation braced for an extremely severe cyclone, which is expected to slam ashore in Bangladesh and Myanmar in the next 24 hours.

    U.N. agencies and aid workers prepositioned tons of dry food and dozens of ambulances with mobile medical teams in sprawling refugee camps with more than 1 million Rohingya who fled persecution in Myanmar.

    The camps at Cox’s Bazar are in the path of Cyclone Mocha, which was closing in on the coast of southeastern Bangladesh and Myanmar with wind speeds of up to 135 miles per hour and gusts of up to 150 mph, the Indian Meteorological Department said. It’s projected to make landfall on Sunday between Cox’s Bazar in Bangladesh and Kyaukpyu in Myanmar.

    Cyclone Mocha
    Bangladeshi volunteers warn people to leave their homes and take shelter due to ahead of Cyclone Mocha’s landfall in Cox’s Bazar, Bangladesh, on May 13, 2023. 

    Zabed Hasnain Chowdhury/NurPhoto via Getty Images


    Bangladesh, with more than 160 million people, has prepared more than 1,500 cyclone shelters. The navy said it’s keeping ready 21 ships, maritime patrol aircraft and helicopters for rescue and relief operations.

    In Myanmar, rains and winds were picking up since Friday and prompted more than 10,000 people in villages around Sittwe in Rakhine state to seek shelter in sturdy buildings including monasteries, temples and schools, said Lin Lin, the chairman of the Myittar Yaung Chi charity foundation.

    “Currently, about 20 places have been arranged for people to stay in Sittwe. But because there were more people than we expected, there was not enough food for the next day. We are still trying to get it,” he said.

    Speaking from Cox’s Bazar across the border in Bangladesh, the International Organization of Migration’s deputy chief of mission, Nihan Erdogan, said Bangladesh put in place a massive preparedness plan.

    He said his agency had trained 100 volunteers in each of the 17 refugee camps on how to alert rescuers using flag warning signals when heavy rains, floods and strong winds lash the region. “Emergency shelter materials and hygiene kits are readily available, and personal protective gear has been provided to all volunteers.”

    The World Health Organization put 40 ambulances and 33 mobile medical teams on standby at Cox’s Bazar, the agency’s spokesperson Margaret Harris said.

    Authorities in Bangladesh said heavy rains from the cyclone could trigger landslides in Chattogram and Cox’s Bazar and three other hilly districts — Rangamati, Bandarban and Khagrachhari.

    Bangladesh, which is prone to natural disasters such as floods and cyclones, issued the highest danger signal for Cox’s Bazar. The Bangladesh Meteorological Department warned the cyclone could cause severe damage to the lives and properties in eight coastal districts.

    Mizanur Rahman, director general of the Department of the Disaster Management, said they asked the local authorities in 20 districts and sub-districts to make swift preparations. He said they were particularly concerned about a small coral island called Saint Martins in the Bay of Bengal, where efforts were underway to protect thousands of inhabitants.

    Myanmar said in its weather bulletin that the cyclone was moving toward the coast of Rakhine state near Sittwe, which was put under the highest weather alert.

    The World Food Program said it prepositioned enough food to cover the needs of more than 400,000 people in Rakhine and neighboring areas for one month.

    “We are preparing for the worst, while hoping for the best. Cyclone Mocha is heading to areas burdened by conflict, poverty, and weak community resilience,” said WFP’s Myanmar deputy director, Sheela Matthew. “Many of the people most likely to be affected are already reliant on regular humanitarian assistance from WFP. They simply cannot afford another disaster.”

    In February and March, at least 190 people were killed when Cyclone Freddy made landfall twice in southern Africa, according to numbers from the United Nations.  

    In May 2008, Cyclone Nargis hit Myanmar with a storm surge that devastated populated areas around the Irrawaddy River Delta. At least 138,000 people died and tens of thousands of homes and other buildings were washed away.

    Roxy Mathew Koll, a climate scientist at the Indian Institute of Tropical Meteorology in Pune city, said cyclones in the Bay of Bengal are becoming more intense more quickly, in part because of climate change.

    The state-run Global New Light of Myanmar newspaper reported on Friday that thousands of people living along the western coast of Rakhine state were evacuated.

    Both Indian and Bangladesh authorities said they were expecting heavy to very heavy rainfall in Andaman and Nicobar Islands in the Andaman Sea, parts of India’s remote northeast, and across Bangladesh from Saturday night.

    Climate scientists say cyclones can now retain their energy for many days, such as Cyclone Amphan in eastern India in 2020, which continued to travel over land as a strong cyclone and caused extensive devastation. “As long as oceans are warm and winds are favorable, cyclones will retain their intensity for a longer period,” Koll said.

    Cyclones are among the most devastating natural disasters in the world, especially if they affect densely populated coastal regions in South Asia.

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  • Pedestrian Thankfully Just Dented

    Pedestrian Thankfully Just Dented

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    MINNEAPOLIS—Breathing a deep sigh of relief, local driver Rob Glasser was reportedly thankful Friday after confirming the pedestrian he had struck with his car was just dented. “Well, thank God it’s nothing serious,” said Glasser, bending down to examine the small dent on the pedestrian’s forehead, which he noted could not be larger than 3 inches across. “I was worried when I heard that crunch, but honestly, it’s really no damage at all. Who knows, maybe he was already like that before I bumped him. My car looks worse than he does. You could probably take a plunger to that and have it sorted right in a minute. No harm, no foul, I guess.” At press time, sources reported Glasser had left a note pinned to the man and sped off.

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  • SpaceX Starship Blows Up Minutes After Launch

    SpaceX Starship Blows Up Minutes After Launch

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    SpaceX’s Starship rocket, the most powerful ever built, blasted off on an unpiloted maiden flight Thursday, flying for more than two minutes before exploding. What do you think?

    “Everything explodes eventually.”

    Kat Alvarez, Apartment Stager

    “We’re on the doorstep of a bold new era of space disasters.”

    Andy Hood, Jar Sealer

    “I’d like to see China blow up a rocket in less than two minutes.”

    Oscar Huerta, PR Educator

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  • Unique Texas facility prepares first responders for major catastrophes

    Unique Texas facility prepares first responders for major catastrophes

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    College Station, Texas — Simulated train derailments, earthquakes and other emergencies can all be found in a 52-acre complex known as Disaster City in College Station, Texas, where elite rescue teams learn to save lives.

    “There’s no replication of this kind of thing,” Stephen Bjune, Texas Task Force 1 training manager, told CBS News. “There’s smaller sites that have little bits of this, but nothing to my knowledge in the United States, or even the world, has this much disaster on this kind of scale.”

    Texas Task Force 1 is one of 28 nationwide rapid-response Federal Emergency Management Agency search and rescue squads, and it uses Disaster City as its training ground.

    Disaster City has more than a dozen disaster scenarios, each based on a real-life catastrophe, including a flattened parking garage modeled after the one underneath the World Trade Center.

    “So the guys come in and build these shores to help make the structures safe,” rescue specialist Kevin Mathison explained.

    From 9/11 to Hurricane Katrina to the Surfside condominium collapse, Texas Task Force 1 has been on the front lines of the nation’s biggest disasters.

    Like all task force members, this is a second job for Mathison, who works full-time as a firefighter.

    “These scenarios basically train us for any disaster that could happen in the world,” Mathison said. “It sets it up to where it’s very realistic for us.”

    The task force train on executing technical rescues which require planning and engineering skills, and even sometimes using volunteer victims.

    “It’s a perishable skill, the things that we learn here,” Bjune said. “They’re so technical and so specific that … if you’re not constantly swinging that hammer, or using that saw … it perishes and you’re not ready to be able to do it again when you need it.” 

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  • Crash Landing

    Crash Landing

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    Anshuman Kashyap is a senior concept artist at Rockstar.

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    Luke Plunkett

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  • Joe Biden Reassures Himself People Not Thinking About Him That Much

    Joe Biden Reassures Himself People Not Thinking About Him That Much

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    WASHINGTON—In an attempt to relieve some of the tremendous insecurity and anxiety he had been experiencing lately, President Joe Biden reportedly reassured himself Tuesday that people weren’t even thinking about him all that much. “People have jobs and kids—they have lives—so it’s not like they’re going to spend a lot of time paying attention to me,” said President Biden, reminding himself that between inflation, healthcare costs, the loss of reproductive rights, gun violence, and environmental disaster, most Americans had “enough on their plate already” without worrying about what “old Joe Biden” was doing. “I can’t let myself get worked up by all this shit. I mean, on a given day, there are probably only a handful of people who notice me, and they’re all way too busy to bother scrutinizing my words and actions. Seriously, how many folks in this town even know my name?” At press time, sources confirmed that Biden had calmed his nerves before a major summit on averting climate catastrophe by reminding himself that it was okay to make mistakes.

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