| In August 2005, the people of the gulf
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| | floods or hurricanes, it is important to
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| coast United States suffered record
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| | look into the specific types of insurance
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| losses of life, homes and businesses from
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| | designed to financially protect you from
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| Hurricane Katrina. Merely months before,
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| | the danger most common to your area.3.
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| thousands lost their homes and lives in
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| | Know what you own.If you are a victim of
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| Southeast Asia during a reckless Tsunami.
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| | a disaster or emergency and you place an
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| Although it is hard to imagine the
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| | insurance claim on property or
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| threat of natural disasters and
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| | belongings, your insurance company will
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| emergencies until we find ourselves
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| | want to know exactly what was lost. It
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| involved in one, it is always smart to
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| | is important to keep track of your most
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| plan ahead. Use the following three tips
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| | valuable belongings as well as proof such
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| to help gauge whether you and your family
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| | as photos and deeds to property. Make a
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| are financially prepared for an emergency
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| | list of all of your valuables, and be
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| situation or disaster:1. Start an
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| | specific. Be sure to take pictures of the
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| emergency savings fund.Many individuals
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| | current state of each of these
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| and families find it difficult to save
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| | belongings, like your car and the
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| for the future. While it is important to
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| | different facets of your property, as
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| save for your retirement or your child's
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| | proof of damage should a disaster strike.
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| higher education, you cannot forget to
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| | Make copies of your photos, as well as
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| plan ahead in case of an emergency.
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| | your family's important documents. Keep
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| Insurance can help during a time of
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| | these items in a locked safe or safety
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| crisis, but very rarely does an insurance
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| | deposit box where at least one copy is
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| claim cover 100% of the damages incurred
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| | out of harm's way at all times.ABOUT
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| from a natural disaster or other
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| | ACCC: American Consumer Credit Counseling
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| emergency. By putting away small amounts
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| | (ACCC) is a non-profit 501 (c)(3)
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| of money each week, month or pay period,
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| | organization dedicated to empowering
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| saving for an unexpected event can be
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| | consumers to regain control of their
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| very easy. Plus, with automatic online
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| | lives through education, counseling and
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| transfers and direct deposit, banks and
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| | debt management. ACCC provides
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| credit unions can automatically transfer
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| | individuals with the practical solutions
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| money from your paycheck each week to
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| | for solving financial problems and
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| make your emergency savings much easier
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| | recognizes that consumers' financial
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| to swallow.2. Stay insured.Disasters do
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| | difficulties are often not the result of
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| happen and it never hurts to be prepared.
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| | poor spending habits, but more
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| While it is easy to think, "it'll never
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| | frequently, from extenuating
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| happen to me," the monthly insurance cost
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| | circumstances beyond their control. As
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| will seem like pennies should you find
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| | one of the nation's leading providers in
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| yourself in an emergency situation
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| | consumer financial education and credit
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| without any insurance helping to repair
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| | counseling services, ACCC works with
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| or rebuild your home. If you live in a
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| | consumers to help them with the best plan
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| region traditionally prone to certain
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| | of action to reduce their debt and regain
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| natural disasters such as earthquakes,
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| | financial stability.
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