New Podcast: Dr. Anne Cope on Science That Makes Us #HurricaneStrong

Have you ever heard that closing your doors can limit damage in a windstorm? Do you know how many bathtubs worth of wind-driven water comes through an unprotected roof? Can you explain why something as innocuous as a soffit is relevant to the fate of your home? And, by the way, what exactly is a soffit?

If you want answers to these questions and more, this is the podcast for you.

Anne-Cope

Dr. Anne Cope, Chief Engineer, IBHS

My guest this week for Strong Homes, Safe Families! is Anne Cope, Ph.D., PE, Chief Engineer at the Insurance Institute for Business and Home Safety (IBHS). Anne is a member of the FLASH Technical Advisory Council, fellow UF Gator, and a great friend. We cover a lot of topics in this recording from science to policy and policy to practice, and I am sure you will find her engaging style not only enjoyable but insightful too.

This information is part of our effort to demystify the basics of a #HurricaneStrong home, so you and your family are ready when the next threat comes. Check out some topic highlights and timecodes below, but I recommend that you hit play, sit back, and enjoy!

  • How a passion for science created a professional journey. (0:54)
  • The importance of garage doors. (4:16)
  • Surprise! Research shows how shutting doors will limit damage. (5:28)
  • After ten years, what’s on tap at the IBHS lab? (7:41)
  • Ninety-percent of the time, significant house damage begins with garage door failure. (9:52)
  • Soffits: What do we need to know about the roof’s Achilles heel? (13:30)
  • Tech Tools and Toys: Practical use of drones to detect problems. (17:31)
  • Public Policy: Building codes, resilience, and the sealed roof deck. (19:37)
  • Water Intrusion: How much water can a hurricane push through your roof? Hint: we’re talking in terms of bathtubs. (20:15)
  • Natural Disaster Research, Reports, and Risk Communication: Find the findings and shine a light on them. (23:41)

Combined IBHS Lab and Fan Image

Click here to listen to this week’s Strong Homes, Safe Families! podcast episode, and don’t forget to subscribe, rate, share, and provide a review on iTunes. Don’t miss these helpful resources and links too:

Dr. Anne Cope – Biography (Here)
The IBHS Lab (Here)
Research on value of shutting doors (Here)
Research on garage doors (Here)
Roof Strengthening Checklist (Here)
Soffit Strengthening Checklist (Here)
Protecting Openings – Shutter Types/Cost Checklist (Here)

Just in case you missed our previous Strong Homes, Safe Families! episodes:

  1. #HurricaneStrong and the 2020 Season feat. National Hurricane Center Director Ken Graham
  2. The Scoop on Hurricane Shutters feat. Tim Robinson, Managing Partner of Global Protection Products and President of the International Hurricane Protection Association
  3. Skills + Supplies Today = Safety and Survival Tomorrow feat. Sean Reilly, District Manager for Lowe’s along North and South Carolina coast-between Myrtle Beach and Morehead City
  4. #HurricaneStrong Home Hacks that Save Time and Money feat. Bill Ferimer, Lowe’s Store Manager in Wilmington, North Carolina
  5. Have an Insurance Checkup and Make Your Policy #HurricaneStrong feat. Amanda Chase, State Farm Insurance Agent in Winter Park, Florida
  6. Take Steps Today for a Smooth Hurricane Claim Process Tomorrow feat. Elizabeth Gulick, VP of Claims Operations for USAA

New Podcast: Take Steps Today for a Smooth Hurricane Claim Process Tomorrow

Hurricane season is here. Are you fully prepared by having the right insurance? Do you have a home inventory to go along with your policy? Did you know that a detailed written, photographic, or video inventory of your belongings is the most effective way to plan for a claim?

Elizabeth Gulick

Elizabeth Gulick, VP of Claims Operations – USAA

This week’s Strong Homes, Safe Families! expert guest is Elizabeth Gulick, Vice President of Claims Operations for USAA and member of the FLASH Board of Directors. Elizabeth shares her experience on the best way to create a home insurance inventory and much more. She highlights consumer protection safeguards to follow as you’re going through the repair and rebuilding process, and many critical steps to ensure you’re ready should it happen ever again.

With Elizabeth’s excellent insights and our newest checklist (click here), you can ensure any future claims run smoothly. When you do, you will be on your way to #HurricaneStrong.

Topics:

  • After thirty-plus years responding to disasters (1:40), what is it like after a catastrophe strikes? (2:55)
  • Recover, Rebuild, Resolve: Understanding USAA’s commitment to resilience (4:25)
  • How does the insurance claim process work? (7:19)
  • What are some tips for choosing a contractor? (9:31)
  • What is a home inventory, and why is it critical? (11:14)
  • What are the five steps to help prepare for a claim? (11:38)
  • Now that the claim is complete, what do I do next? (15:56)

Click here to listen to this week’s Strong Homes, Safe Families! podcast episode, and don’t forget to subscribe, rate, share, and provide a review on iTunes. You can learn more about insurance and mitigation by downloading A Homeowners Insurance Guide to Natural Disasters or emailing your questions to info@flash.org today.

Just in case you missed our previous Strong Homes, Safe Families! episodes:

  1. #HurricaneStrong and the 2020 Season feat. National Hurricane Center Director Ken Graham
  2. The Scoop on Hurricane Shutters feat. Tim Robinson, Managing Partner of Global Protection Products and President of the International Hurricane Protection Association
  3. Skills + Supplies Today = Safety and Survival Tomorrow feat. Sean Reilly, District Manager for Lowe’s along North and South Carolina coast-between Myrtle Beach and Morehead City
  4. #HurricaneStrong Home Hacks that Save Time and Money feat. Bill Ferimer, Lowe’s Store Manager in Wilmington, North Carolina
  5. Have an Insurance Checkup and Make Your Policy #HurricaneStrong feat. Amanda Chase, State Farm Insurance Agent in Winter Park, Florida

New Podcast: Have an Insurance Checkup and Make Your Policy #HurricaneStrong

Are you in the dark about what your insurance policy will provide after a hurricane? Did you know that you may have coverage for food that spoils when the power fails even if your home isn’t damaged? Moreover, did you know that food spoilage coverage is often deductible-free?

Are you aware that a special, separate policy is required to cover flood? Did you know that flood policies have a 30-day waiting period? Will your coverage limits provide enough to repair and rebuild if your home is damaged?

These are the kinds of questions that you can answer during an annual insurance checkup to keep your policy current and keep you in the know before hurricanes strike.

Amanda Chase

Amanda Chase, State Farm Agent

This week’s Strong Homes, Safe Families! podcast interview and checklist (click here) focus on the insurance checkup or annual review—your way to make your policy #HurricaneStrong. My expert guest for this podcast is Amanda Chase, a State Farm insurance agent in Winter Park, Florida.

Topics Include:

  • Financial Security: Having the resources to repair and recover from hurricanes
  • Insurance Checkup: Review policies, obtain advice on coverage and updates
  • Hurricane Deductibles: How they work, when they kick in
  • Understand Exclusions and Eliminate Surprises: What a policy pays for (and doesn’t)
  • Capitalize on Building Codes: Save money on insurance with discounts for good building practices, safety features and more
  • Consumer Survey and COVID-19: More ready to get prepared to shelter at home safely
  • Power Outage Coverage: Reimbursement for loss of use and food spoilage
  • Control Uncontrollables: Know answers to questions to not fear the unknown

Click here to listen to this week’s Strong Homes, Safe Families! podcast episode, and don’t forget to subscribe, rate, share, and provide a review on iTunes. Learn more about insurance and mitigation by downloading A Homeowners Insurance Guide to Natural Disasters or emailing your question to info@flash.org.

New Podcast: #HurricaneStrong Home Hacks that Save Time and Money

Strengthening our homes for hurricane season to ensure damage prevention is more important than ever this year due to COVID-19 and the potential need for social distancing.

This week’s Strong Homes, Safe Families! podcast, checklists (click here), and feature video (click here) provide information about affordable ways to get your home #HurricaneStrong, so you and your family are ready for the already-busy season.

6-6-20 Soffits Fan Graphic Twitter V2

My guest expert for this podcast discussion is Bill Ferimer, Lowe’s Store Manager in Wilmington, North Carolina. This 15-minute discussion will get you well on your way.

 

Bill Ferimer

Bill Ferimer, Store Manager – Lowe’s

Topics Include:

  • Resilience: How to remain #HurricaneStrong, and bounce back from natural disasters
  • Damage Prevention – Steps to weather the wind and water:
    • Roof: Use caulking inside the attic for added strength
    • Soffits: Use caulking to ensure that soffits stay in place when it matters most
    • Openings: Use hurricane shutters to protect doors and windows
  • Timing: Prepare for hurricanes now and take strengthening your home seriously
  • #HurricaneStrong Survey: Increased intent to prepare
  • Projectiles: Around the yard, remove or anchor items such as swing sets to prevent damage
  • Gutters and Downspouts: Clean, clear, and functioning properly to direct water flow
  • Prep Kits: Must-haves include gutter tools, tarps, nails, hammers, ladders, buckets, chainsaws, and necessary accessories
  • Sandbags: Redirect stormwater and debris away from your home

How to Clean Gutters Image

Click here to listen to this week’s Strong Homes, Safe Families! podcast episode, and don’t forget to subscribe, rate, share, and provide a review on iTunes.

New Podcast: Skills + Supplies Today = Safety and Survival Tomorrow

What’s in your hurricane supply kit? Do you have what you need to make repairs after a storm? Can you safely operate a generator? How about a chainsaw?

5-27-20 Disaster Supply Checklist Graphic Final

This week’s podcast with checklists (click here) and videos provides the refresher you need to make sure you are #HurricaneStrong and ready for the June 1 start of hurricane season. My guest expert for this discussion on episode three of Strong Homes, Safe Families! is Sean Reilly, District Manager for Lowe’s along North and South Carolina coasts⁠—between Myrtle Beach and Morehead City. In this interview, Sean talks about the importance of individual and family preparedness by having adequate disaster know-how, supplies, and equipment.

Sean Reilly

Sean Reilly, District Manager – Lowe’s

Topics Include:

  • Front and Center: Sean’s fair share of storm experiences and hurricane challenges
  • Store Environment: Hurricane watches and potential for landfall sets the mood
  • People and Preparation: Lowe’s guides customers, associates, and communities
  • Think Outside the Box/Kit: People tend to forget other essentials, including a home battery phone charger, extra gasoline, and charcoal or propane to cook food
  • Sentimental Storage: Save pictures, videos, and documentation in waterproof areas
  • Equipment: Know how to safely use portable generators, chainsaws, and other tools

Generator with ButtonChainsaw with button

 

 

 

Please click here to listen to this week’s episode.

For those of you in Florida, don’t forget the Florida Disaster Preparedness Sales Tax Holiday is Friday, May 29 through Thursday, June 4, so it’s a great time to save on your supplies. If you’re stocking up at Lowe’s, look for the #HurricaneStrong signs in the store or visit www.HurricaneStrong.org to learn more.  

5-27-20 Lowe's Signage

 

New Podcast: NHC Director Ken Graham – Getting #HurricaneStrong Ahead of the 2020 Season

Ken Graham
Ken Graham, Director – National Hurricane Center

Are you prepared to protect your family and home before hurricane season hits? Will you be able to bounce back swiftly? My guest this week on Strong Homes, Safe Families! is Ken Graham from the National Hurricane Center in Miami, and he shares plenty of insights about how to stay safe.

Ken and I talk about the science, public policy, and practice of being better prepared for hurricanes, including a discussion of COVID-19. Please click here to listen to this week’s episode.

Topics Include:

  • Rising Water Evacuation: Why and when Ken decided to become a meteorologist
  • Disaster Resilience: Bouncing back to recover quickly from a hurricane is possible
  • Science: Meteorological breakthrough with track forecast and ability to narrow errors
  • Public Policy: Best practices to be resilient by knowing when and where to evacuate
  • Practice: Risk communication, perception, decision-making, and other human factors
  • Tech Tools: People flee storms, but hurricane hunters use technology to collect data
  • Preparation: Positive impact due to COVID-19 pandemic

“Little wiggles in the forecast matter. Everyone listening needs to understand that a 20- or 40-mile wiggle can make the difference to someone on the ground experiencing a foot of storm surge or maybe ten of feet storm surge.” – Ken Graham

LCH and Ken Graham

National Weather Service New Orleans/Baton Rouge team members, Ken Graham, and Leslie Chapman-Henderson strike the #HurricaneStrong “Pose”

Human Biases – Barriers or Boosts to Resilience?

Businessman with his head in the sand

This is the third installment from our new commentary, “Learning from the 2017 Disasters to Create a Reliably Resilient U.S.” In this discussion, we apply risk communication insights to understand biases that block progress in the disaster safety movement.

 

What can explain the above cases where facts and experience clearly show that we need to change how we prepare to respond, survive, and recover from disaster, yet resilience policy isn’t embraced? Is there a more effective way to communicate risk and support the behaviors that drive resilience? Through the cross-disciplinary body of literature and research on disaster resilience and social science, a powerful insight is provided by an examination of the role of biases.

In 2017, The Ostrich Paradox by Robert Meyer and Howard Kunreuther[i] identified six core biases that affect disaster preparedness. We applaud the authors for their clear presentation of the information, and we suggest it can serve as a powerful risk communication primer. The authors provide information about the biases, insight on how to conduct a behavioral risk audit to understand the psychological biases that inhibit adoption, and then propose policies that work with, not against, natural psychologies.

Here are the six core biases identified in The Ostrich Paradox alongside the suggested approaches the authors offer to overcome same:

  1. Myopia: a tendency to focus on overly short future time horizons when appraising immediate costs and the potential benefits of protective investments;
    • Remedy: tactics and incentives that lower the short-term costs of preparation
  2. Amnesia: a tendency to base decisions on most recent experiences, overlooking lessons of the past
    • Remedy: communication tactics that correct distorted memories of the past
  3. Optimism: a tendency to underestimate the likelihood of personal harm
    • Remedy: communication tactics that enhance beliefs about hazard likelihoods and impacts
  4. Inertia: a tendency to maintain the status quo or adopt a default option when there is uncertainty about the potential benefits of investing in alternative protective measures;
    • Remedy: policies that make safer actions the default in each setting
  5. Simplification: a tendency to process only limited subsets of information
    • Remedy: policies that simplify the set of preparedness choices faced by individuals
  6. Herding: a tendency to make decisions by social imitation.
    • Remedy: tactics designed to foster stronger social norms of safety

The authors make a compelling case for factors to consider in communicating with the public in harm’s way. Their approach resonated with us particularly well as our nonprofit organization was formed twenty years ago to drive a “social value” for disaster safety. Our strategies and tactics confront and leverage the bias they label “herding.” Others label it “milling.” In our efforts, we call it “social norming”.

Prior to the return of frequent, land-falling major hurricanes striking the U.S. in 2016, raising public awareness and promoting leadership action on hurricane preparedness and mitigation policy was becoming difficult. Some states decided to skip building code update cycles, and others defunded public awareness programs. Many retailers stopped hosting hurricane expositions, and the consensus inside stakeholder circles was that “Hurricane Amnesia” had set in.

To address the problem, FLASH brought together representatives from academia, big data organizations, broadcast meteorology, FEMA, NOAA, insurance companies, product manufacturers, news organizations, and risk communication groups to identify potential solutions. Together, we created the “National Hurricane Resilience Initiative” as an open-source, umbrella effort to align messaging and timing and get everyone on the “same page” with five common, key messages to promote and elevate hurricane resilience.

  • Personal Safety – Know your evacuation zone
  • Financial Security – Have an insurance check-up
  • Family Preparedness – Build a disaster supply kit
  • Damage Prevention – Strengthen your home
  • Community Service – Help your neighbor

The timing alignment included moving the annual NOAA Hurricane Awareness Tour (HAT) to line up with the White House declaration of “National Hurricane Preparedness Week.” The initiative also included creation of a new national event and social media campaign entitled #HurricaneStrong.

Now in its third year, the campaign has reached millions, including governors, mayors, corporate leaders, celebrities, and citizens. Through participation, they learned that to be #HurricaneStrong, you must start with the five key steps listed above.

Since the launch in May of 2016, the #HurricaneStrong campaign has created a simple, common language and “call to arms” to drive buy-in. It has drawn tens of thousands of leaders and citizens to events and reached millions more through traditional news and social media outreach.

The initiative inspired The Weather Channel to sign on as the national media partner and offer free Public Service Announcements aired during prime hurricane season slots. One home improvement store offered workshops in 700 stores, simultaneously, on a single day during the official “week,” and it successfully ignited creative spinoff volunteer events from San Antonio to Norfolk at Walmart stores, minor league baseball games, festivals, and more.

Our experience shows that organizing our collective messaging “act” is only the first step of many more that we need to take to get ahead of the audience’s needs.

Editor’s Note: Our fourth installment will present a detailed review of the 2017 disasters with insights on early actions taken to break the cycle and build back better. We look forward to your comments and input on this critical topic.

[i] Robert Meyer and Howard Kunreuther. 2017. The Ostrich Paradox: Why We Underprepare for Disasters. The Wharton School. University of Pennsylvania. Wharton Digital Press.