╨╧рб▒с>■  :<■   9                                                                                                                                                                                                                                                                                                                                                                                                                                                ье┴q` Ё┐е&bjbjqPqP 48::е      д└└└└└└└╘<<<<$`╘╢ИЮЮЮЮyyyББББББ$╢h╢е└]yy]]е└└ЮЮ█║!!!]F└Ю└Ю!]!!└└!Ю| `рkk~L╞<г.!╨0!╘╤:╘!!&╘└G8y"Ы!│╟Цyyyее yyy]]]]╘╘╘ф╕ Д╘╘╘╕ ╘╘╘└└└└└└     Preventing or Reducing Damage in the Face of Natural Disasters! Earthquake Damage Can Be Reduced in Homes & Businesses August 10, 2005 , Reprinted From the Insurance Journal Although earthquakes are among the least predictable natural hazards, losses to unprepared businesses can be substantial when they do occur. Affiliated FM, a commercial property insurer and loss prevention expert serving medium-sized companies, released actionable steps businesses can take to significantly prevent or reduce damage to their facilities from earthquakes. "In the event of an earthquake, preparation measures can mean the difference between a business experiencing a distraction or major destruction," said Mike Lebovitz, vice president and manager of Affiliated FM. "For business owners with operations in historically active earthquake zones, it is critical for them to understand and identify the risks that earthquakes present as well as effectively address them." Four sizable earthquakes have occurred in or off the coast of California since June 2005 and serve as a reminder of the seismic risk to businesses. According to the most recent "Progress Report for the California Earthquake Loss Reduction Plan 2002-2006" issued by the California Seismic Safety Commission in December 2003, individual business owners and corporate decision makers do not fully understand the potential economic losses resulting from earthquakes. "Structural damage to buildings may be top of mind, but business owners should also consider shake damage to nonstructural systems, equipment and stock," said Lebovitz. "People may not realize that fires caused by damaged gas lines and the inability of broken sprinkler systems control those fires, pose the greatest threat immediately following an earthquake." Fortunately, property damage caused by earthquakes and ensuing fires can be prevented or minimized by following a comprehensive emergency plan before and after an earthquake. To reduce the potential of business interruption, business owners should consider taking the following measures: General Preparation: Establish a comprehensive emergency action plan to control hazards; Determine if secondary hazards from an earthquake exist as a result of a facility's location, such as a landslide, flooding or tsunami; Establish and train an Emergency Response Team (ERT) covering all shifts to implement the emergency action plan, and stockpile emergency supplies that may be needed to support the ERT; To prevent sliding of production equipment and utilities, such as boilers, generators and transformers, anchor items to the floor or to an adjacent wall; for shelved items, install restraining devices at the edges to prevent items from falling; To prevent swinging of suspended ceilings, piping and ducts, brace items to the structure from which they are suspended; Stock up on fire extinguishers and maintain an onsite hose with heavy water pressure. To Prevent Fire: Install seismic gas shutoff valves on the main service lines to each building and install automatic shutoff valves for flammable liquid and gas distribution systems; To safeguard fire protection systems, brace sprinkler piping at regular lengths and at changes of direction, install flexibility for piping that spans joints or buildings, provide sufficient clearance of sprinkler heads and anchor water supply equipment; To prevent overturning of materials and equipment that might result in fire, anchor items to the floor, adjacent walls or to each other in groups. After an Earthquake Strikes: Survey facilities for combustibles in contact with ignition sources with awareness that fire danger is greatest shortly after an earthquake; Take inventory of damage in and around the facility and begin salvaging items as soon as possible to prevent further damage. If sprinkler piping is damaged, empower ERT members to maintain as much fire protection in service as possible, bypass problem areas and provide alternate water supplies where possible; Make certain that all sprinkler water supply valves are open and the water supply is freely flowing; Check gas, water and electrical services for damage and shut off as necessary; Repair any damaged fire protection systems immediately to prepare for aftershocks. "With an approach to earthquake loss prevention as a long-term investment rather than a short-term expense, business owners will not only enjoy greater peace of mind, but can better ensure they will be in business for their clients and employees should Mother Nature unleash its fury," said Lebovitz Our Thanks to the Insurance Journal for this informative article!а We hope this will be of assistance in your disaster planning.а Please note that the following information buildings upon what you just read, and together with the Earthquake information, provides excellent Emergency preparedness information; please also explore other sources of information such as the Red Cross and Salvation Army web sites. The devastating effects of Hurricane Katrina drive home the point that personal catastrophe planning is an essential part of any personal risk management program. Catastrophes, whether natural or man-made, can strike individuals and families at any time without warning. You should develop a comprehensive disaster plan that addresses the following nine items. Last month, we sent out ideas about how to handle Earthquake and Fire emergencies and disasters; the following additional items should be added to your planning - these came from the experiences of the recent Gulf Hurricane Katrina:а * Identify hazards in your home, such as frayed wires or large amounts of gasoline stored in the garage. Hazards should be reduced as much as possible. * Learn first aid and CPR skills, which can lessen injuries after they occur. * Make certain your children learn your full name, address, and phone number at the earliest possible age. * Develop an emergency evacuation plan. For example, you should work with family members to establish escape routes and rehearse these periodically. * Establish a disaster meeting place and an outside family contact. For a sudden emergency, a location right outside the home should be arranged. * Consider designating a friend or relative in another city as a common contact through whom the family can communicate if separated by a disaster. * Keep an adequate water storage supply to use in the event you become stuck in your home. Several days' worth of bottled water should be stored in a cool, dark location. * Prepare a food supply, including canned meats, fruits, and vegetables. You should include a manual can opener and disposable utensils and plates along with the food. * Store emergency supplies, such as a first aid kit, flashlights, batteries, prescriptions, and a lantern. * Prepare a portable pet disaster supply kit for pets, including dry food, potable water, and proof of vaccination. Proper identification on the pets is essential. * Practice, modify, and maintain the plan every 6 months. AS ALWAYS, we're thinking of you! PS:а Take this to work; your safety directors or business owners should consider this information; a disasterаcould easily strike while you are at work. Stan Dreckman, Huggins/Dreckman Insurance Agency,а& DRIVE RIGHT Insurance Services  HYPERLINK "mailto:stan@hdinsure.com" stan@hdinsure.com PSS:а We can provide you with affordable Flood, Earthquake, and other disaster protection.а And, don'tаforget Life Insurance or Disability.а We're all pretty cozy here in SoCal, but things could change in a "New York Minute"! Call us at 800-400-3224 or 562-594-6541 to make sure you are properly covered for a large (or small) event; to assist you, you can request our exclusive Personal Insurance Questionnaire, which helps you think through your personal insurance protection needs. ->?@YvwЙнош╘ш║жПxdxO8,Oh#?Еh#?Е>*CJaJ,h#?Еh#?Е>*B*CJOJQJ^JaJph)h#?Еh#?ЕB*CJOJQJ^JaJph'h#?Е0JB* CJ OJQJ^JaJ ph3-h#?Еh#?Е0JB* CJ OJQJ^JaJ ph3-h#?Еh#?Е0JB*CJ,OJQJ^JaJ,ph'h#?Е0JB*CJ,OJQJ^JaJ,ph3h#?Еh#?Е0J6Б>*B* CJ,OJQJ^JaJ,phА'h#?Е0JB* CJ,OJQJ^JaJ,phА-h#?Еh#?Е0JB* CJ,OJQJ^JaJ,phА @wо" └ Р √2v■╖м%|П54╚цsшш╘╟╟╟╟╟╟╟╟╟╟╟╟╢╟╟╟╟╟ ╞Й Д|№Д√]Д|№^Д√gd#?Е Д|№Д√]Д|№^Д√gd#?ЕД|№Д√дЁдЁ[$\$]Д|№^Д√gd#?Е$Д|№Д√дЁдЁ[$\$]Д|№^Д√a$gd#?Ее&¤/2tvн■,╖╔+м╓%C|ЛП▒[q4┼╚уцs╦л]_Щ░▒▐щ╥╗ж╗ж╗ж╗ж╗ж╗ж╗жщС╗ж╗ж╗жщж╗ж╗ж╗ж╗ж╗ybж,h#?Еh#?Е>*B*CJOJQJ^JaJph/h#?Еh#?Е5Б>*B* CJOJQJ^JaJphА)h#?Еh#?ЕB* CJOJQJ^JaJph3)h#?Еh#?ЕB*CJOJQJ^JaJph,h#?Еh#?Е5БB* CJOJQJ^JaJphА,h#?Еh#?Е5БB*CJOJQJ^JaJph,h#?Еh#?Е5БB* CJOJQJ^JaJph3&sл_│▀ayт═e││E ┘ Д!,"Ч";#u#Ч#0$╛$г&д&ЄЄЄЄЄЄх▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄хД√^Д√gd=K Д|№Д√]Д|№^Д√gd=K Д|№Д√]Д|№^Д√gd#?Е▐▀`ay╧cgЕ╡ D╡їE G Ф █ !Ж!╦!╠!═!т!є!."Х"Щ"╠"=#s#Л#О#`$a$Г$ї▐╩╣иСиСиСиСиСиГСиСиСиГиqиСиСиСиГиГи#h=Kh#?Е>*CJOJQJ^JaJh=KCJOJQJ^JaJ,h=Kh#?Е5БB* CJOJQJ^JaJphА h=Kh#?ЕCJOJQJ^JaJ!h=Kh#?ЕB* OJQJ^Jph3&h#?Е5БB*CJOJQJ^JaJph,h#?Еh#?Е5БB*CJOJQJ^JaJphh#?Еh#?ЕCJaJ$Г$Д$к$л$╝$╜$╛$г&д&е&ъ┘ъ╞ъ┘│згh╚63h#?Еh#?Е5БCJaJ$h=Kh#?Е5БB* OJQJ^Jph3$h=Kh#?Е0JCJOJQJ^JaJ h=Kh#?ЕCJOJQJ^JaJ)jh=Kh#?ЕCJOJQJU^JaJ д&е&Є Д|№Д√]Д|№^Д√gd=K21Рh:p#?Е░╨/ ░р=!░╝"░#Р╨$Ра%░░╨░╨ Р╨ЖЬ@@ё @ NormalCJ_HaJmH sH tH DA@Є бD Default Paragraph FontRi@є │R  Table NormalЎ4╓ l4╓aЎ (k@Ї ┴(No List<■oЄ< #?Е heading11дdдd[$\$*W`в* #?ЕStrong5Б\Б6■o6 #?Еbylineдdдd[$\$B^`"B #?Е Normal (Web)дdдd[$\$4U`в14 #?Е Hyperlink >*ph е8    @wо"└Р√2v■╖ м % | П 5 4 ╚ ц sл_│▀ayт═e││E┘Д,Ч;uЧ0╛гдзШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААwо"└Р√2v■╖ м % | П 5 4 ╚ ц sл_│▀т═e││E┘Д,Ч;uЧ0╛гдзK╚00╚ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00ЫK╚00АK╚00АЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААЪ@0АААШ@0АААЪ@0АААШ@0АААK╚00А 00 ▐Г$е&sд&е&е&Гк╝еX МЁ8Ё@ё   АААўЁТЁЁ0Ё( Ё ЁЁB ЁS Ё┐╦  ?Ё  ├/,╟H─/\>K■■зз9*Аurn:schemas-microsoft-com:office:smarttagsАStateА9*Аurn:schemas-microsoft-com:office:smarttagsАplaceА H=▌╛╞/7╓▐ЖОinзВИuЦ╛з33@YvН О `гдзЖОзH"}'k]`OхF+╚63=KВ;i#?ЕDcЖ)ЩЧ╩ @АООh¤КООе`@  Unknown            GРЗ:  Times New Roman5РАSymbol3&Р З:  Arial"qИЁ╨h дг&дг&Т7Т7!Ё╝╨┤┤ББ24dЦЦ2ГЁHX)Ё ?ф                     #?Е2  >Preventing or Reducing Damage in the Face of Natural DisastersStanStan■ рЕЯЄ∙OhлС+'│┘0дРШрь№$ 4@ ` l xДМФЬф@Preventing or Reducing Damage in the Face of Natural DisastersStanNormalStan1Microsoft Office Word@q@v6|L╞@(чN~L╞Т■ ╒═╒Ь.УЧ+,∙оD╒═╒Ь.УЧ+,∙оl( hp|ДМФ Ьдм┤ ╝ ф7Цц ?Preventing or Reducing Damage in the Face of Natural Disasters Title┤ 8@ _PID_HLINKSфAl$mailto:stan@hdinsure.comЪ  ■    !"#$%&'(■   *+,-./0■   2345678■   ¤   ;■   ■   ■                                                                                                                                                                                                                                                                           Root Entry         └F@8zk~L╞=А1Table        ╘WordDocument        48SummaryInformation(    )DocumentSummaryInformation8            1CompObj            q                        ■                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           ■       └FMicrosoft Office Word Document MSWordDocWord.Document.8Ї9▓q