Moving Families, Not Houses! Kate Wigginton
West Houston/Katy Area Real Estate Services 
Kate Wigginton

Disaster Preparedness Plan


Are you and your family prepared for a disaster? 

Read on for what steps to take to make a plan:

 

 

Read through the list below and see how ready you are for a major emergency. For any items that you lack, why not address them now instead of putting it off? A fire or other disaster can strike at any time.  Inman News - Bernice Ross

Disaster preparedness checklist

1. Enough food and water for at least three days for an emergency evacuation, or two weeks' worth of food and water if you are confined to your home.

The Red Cross recommends at least one gallon of water per day per person, and easy-to-prepare food items that do not require refrigeration. Canned goods, dehydrated fruits, nuts and vacuum-packed foods are good choices.

Also, be sure to remember baby formula, bottles or any other special needs anyone in your household may have. Stock up now. If you don't use the food, you can give it to your local food bank and take a tax deduction.

Furthermore, be sure you have knives, a pair of scissors, and an old-fashioned can opener that doesn't require electricity. Don't forget to include eating utensils for each person.

2. At least $500 to $1,000 of cash on hand in case you are unable to access an ATM and have to evacuate to a safer area.

If the power is out, chances are that your Internet service may be down, as well. This means that your credit cards and your local ATM will probably not be working. Even if food and other supplies are available after the disaster, you may have to pay cash.

3. A first-aid kit, medications, and personal hygiene items for each member of your household. A smart way to prepare these items is to pack a backpack for each member of your household, including your pets.

If someone in your household requires refrigerated medications, make sure you have an ice chest with cold packs ready to go. Be sure to include glasses, hearing aids, contact lenses and solution, syringes, and any other necessity. For children, include games and activities to keep them occupied.

Also, remember to include personal hygiene items such as diapers, soap, shampoo, baby wipes (in case there is no water), pillows, and blankets or sleeping bags. For your animals, include a collar, leash, ID tag, carrier, and food and water bowls.

4. A way to keep the lights on. While a generator may not be a practical option, a flashlight, candles, matches and extra batteries are within everyone's reach. Even if the power is out, you can use a solar charger for your cell phone or a battery-charged recharging station.

It's also smart to have a battery-powered radio or crank radio so you can hear details about disaster response and aid while the emergency is taking place.

In terms of your computer or other devices, be sure you have all the cables, the charger, and any other hookups necessary to run your computer from a remote location.

5. Your personal documents stored in a single place. The Red Cross recommends that you pull all critical personal documents together in one place so you can quickly grab the package if you need to evacuate on a moment's notice.

Items to include: proof of address, insurance policies, medical ID cards, credit cards, deed/lease to your residence, passports, birth certificates, and pertinent medical information and medications. To be doubly safe, scan these documents and back them up in the cloud.

6. Specialized survival items for your home. Surgical-style masks can prevent inhalation of dust after a major quake or building collapse, for example. In the aftermath of the Northridge quake, a number of people contracted a serious lung condition that was triggered by the spores in the dust that the quake stirred up.

It's also smart to have sturdy shoes, rain gear, plastic sheeting, duct tape, and household bleach for water purification.

7. Items you can't replace should be stored so you can quickly access, pack them. Whether it's family heirlooms, junior's golf trophies, or grandma's favorite quilt, decide which items are irreplaceable and have those stored in a single place where you can quickly reach and pack them, if need be.

8. A plan for being in touch or going to a safe place. It's smart for your household members to have two or three options as to where they can go in an emergency. The Red Cross also offers a way to notify friends and loved ones through their organization, even if the power is out.

9. A plan to help others.To make sure that your friends, clients and acquaintances are prepared, you can send out the Red Cross guidelines for disaster preparedness as a prospecting tool.

After the Northridge quake, my homeowners association handed out earthquake preparedness packages for every homeowner in our subdivision.

The biggest obstacle to preparedness is procrastination. The smart move is simple: Prepare now -- don't wait. 

 


New Homestead Rules


New Homestead Exemption Rules Effective September 1

The application process for a homestead exemption in Texas is about to grow more complex. Earlier this year, the Texas Legislature approved new standards of mandatory disclosure for any one of several kinds of homestead exemptions. Beginning on September 1, 2011, those new rules go into effect.

Prior to September 1, a homestead exemption was relatively easy to obtain; a property owner simply filed an application. Now, home buyers will have to follow new rules and provide more proof they are eligible for the claimed exemption.

In order to receive a homestead exemption for property tax purposes, applicants must now provide a copy of their Texas driver’s license or Texas state-issued identification card and a copy of their vehicle registration receipt with their application for a homestead exemption.

In addition, the addresses shown on each of the documents must be the same as the address for which the homestead exemption is sought, according to the Harris County Appraisal District.

Those who do not own a vehicle will be required to submit a notarized affidavit certifying that fact and provide a copy of a current bill received from a utility company. The address on the utility bill must be the same as the address on the application for a homestead exemption.

The new requirement that takes effect on September 1 is required for any one of the several ways property owners can qualify for a residential property homestead. These include the following:

  • General residential exemption
  • Over-65 exemption
  • Disability exemption
  • 100% disabled veterans exemption
  • Extension of exemption for a surviving spouse
  • Exemption for manufactured (mobile) home

Each of the programs cited above have additional requirements for qualification. However, the common standard is that all such applicants must provide the additional documentation as noted before regarding driver’s license, Texas issued identification card, motor vehicle registration and utility billing receipt.

For those seeking homestead exemption status on a manufactured home, the applicant must also provide documentation as noted below:

  • Statement of ownership and location issued by the Texas Department of Housing and Community Affairs
  • A copy of the purchase contract or payment receipt that the applicant is the purchaser of the manufactured home, OR, a sworn affidavit that:
    • The applicant is the owner of the manufactured home
    • The seller of the manufactured home did not provide the applicant with a purchase contract, and
    • The applicant could not locate the seller after making a good faith effort

In order to avoid confusion, the modified homestead exemption form and the referenced affidavits will be posted on the effective date of the new legislation (September 1) on the website of the Harris County Appraisal District at www.hcad.org.

Applications dated and submitted to HCAD by August 31, 2011 will be processed under the pre-September 1 guidelines. 

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