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... and vulnerable. 4. Review your insurance policy. Are you sure everything important is covered or did your memory play tricks? Keep it in a safe place where it can be retrieved easily after a disaster. Keep a quick-reference list containing your agent's telephone number, all your policy numbers, and the respective insurance company names. 5. Know how to shut off your gas, electricity, and water, and how to board up vulnerable places around the house, such as doors and windows. 6. Plan a family evacuation and relocation strategy. (The next three items usually are recommended at the time of a hurricane watch or during Earthquake Preparedness' week. However, waiting until then is not a good idea. First, consider the threat of tornadoes, aftershocks, and other sudden ... clients. There was no need for management to ask them to work overtime; they all said they were willing to put in 12-hour days for as long as it took to handle the claims. Everyone was willing to work through the lunch hour the first week; we sent out for food. We were fortunate that several outsiders agreed to help us. Volunteers included the wives of the regional and district underwriting managers and an underwriter trainee for Crum & Forster's regional office, the personal lines underwriter from Amerisure, a personal friend of three members of the Carolinas PIA staff who spent several days offering help to all local members. The majority of our claims were in personal lines, resulting from felled trees, high winds that stripped shingles from roofs and flooding from drenching rains. There has ...

...hut off your gas, electricity, and water, and how to board up vulnerable place...nsider bolting these to the wall.-Hot water heaters that can pull away from pi...