You
can't prevent a disaster, but you can do more than
just buy insurance. The steps you take BEFORE disaster
strikes can make a big difference in saving you time,
money, and inconvenience... and get you back in
business faster.
Figure the odds. Make a list. — Consider what
sort of disaster types and scenarios that could strike
your building or business, starting with the "most
likely." Storms, fires, and burst pipes may be the
most obvious. Floods, earthquakes, or tornados may be
lower on the list. Even consider potential disasters
like power failures, heating or cooling system
shutdowns.
Pre-Qualify Outside Sources. Depending on the nature of the disaster,
here are some people you might need.
- Structural Engineers
- Restoration Company
- Electrical Engineers
- Plumbers
- Communications Systems Specialists
- Building Contractors or Carpenters
Again,
don’t wait until after disaster strikes. Have company
names and phone numbers of reliable sources ready as
soon as you need them. Meet them and review
references. Look at their actual experiences and the
types of jobs they've done. Make sure you know their
emergency response procedures — and how fast they will
come to you after a disaster.
OTHER LISTS
- Inventory all equipment and supplies. Don't
count on employee memories, especially after the
shock of a disaster. These records will be critical
for insurance claims. In addition to lists, video
tape all property contents and structures. Store the
lists and tape ELSEWHERE.
- Have
a communications plan for employees or tenants, so
they know what to do or where to call during an
emergency.
