The damage luckily wasn’t too bad even though it hit 5 on the Richter Scale according to the US Geological Survey. Only 61 km north of Ottawa is where the centre of the earthquake originated.

There have been quite a few descriptions of how the earthquake was felt, but the simplest one to imagine is construction work going on below you. One woman even experienced it as high as the ninth floor of her office building. Lorne said that the rumble felt quite small where he was, but he clearly felt them.

Whilst natural disasters happen very infrequently in Canada, they do happen and it brings home to us all how vulnerable we all are. It makes you think, how ready are you and your family for the big one?

There are many things you can do to ready yourself for such emergencies, but one important thing to remember is life insurance.

What many of us do not grasp is that along with disasters such as floods or tornadoes, earthquakes are one of the most expensive natural disasters. Earthquakes accounted for 30% of all devastation by natural emergencies from 1950-2001. Whilst disasters such as famine have an extremely high human cost compared to earthquakes, the damage during the same period was only 4% – certainly a big difference.

Even though only 75,252 lives were lost per year in the 90s, as opposed to 86,328 annually in the 80s, an average of 211 million people a year affected by natural disaster in the 90’s up from 147 million in the 80’s.

When analyzing natural disasters today to the 1960’s we see that there are 3 times the amount happening and the financial impact has climbed dramatically as well.

With the prevalence of natural disasters skyrocketing and the amount of lives involved increasing by the decade, one can’t help but think of how to guard their family’s future in case they find themselves caught in nature’s fury.

The great news is, all five major Canadian insurance businesses we surveyed will cover death in the event of a natural disaster. There are exclusions though, these will include natural disaster happening in locations such as war zones or any area that travel is not recommended.

Written by L.S. Marr, the founder of LSM Insurance and mortgage life insurance professional

The damage luckily wasn’t too major even though it hit 5 on the Richter Scale according to the US Geological Survey. Just 61 km north of Ottawa is where the centre of the earthquake began.

As stories came in, many individuals spoke of a gradual rumbling which increased in intensity, a bit like building work going off below or around you. One person even experienced it as high as the ninth floor of her office building. Lorne said that the rumblings felt quite mild where he was, but he clearly felt them.

The quake puts in your thoughts just how exposed we are in Canada to natural disaster, even though one of this size only occurs once a decade. So how do you try and ready and protect yourself for future natural catastrophes?

There are many things you can do to ready yourself for such emergencies, but one important thing to think about is life insurance.

What many individuals do not grasp is that along with disasters such as floods or windstorms, earthquakes are one of the most expensive natural disasters. To put it in simpler terms from 1950 to 2002, earthquakes answered for 30% of destruction by natural disasters alone. Still, they account for only 9% of the human cost, paling in comparison to famine, which killed 42% of people, but accounts for only 4% of the total destruction over those years.

People losing their lives fell in the 90’s from 86,328 per year in the 80’s to 75,252; but those touched by natural disaster climbed from147 million in the 80s to 211 million people a year in the 90’s.

When analyzing natural disasters today to the 1960’s we see that there are 3 times the amount happening and the financial impact has risen dramatically as well.

With more disasters happening then it stands to reason that more and more of us are going to have their lives affected by them, so it is only natural to look at ways of minimizing the impact on your family.

The five main Canadian insurance companies we surveyed do provide death benefits for you and your family if such disasters happen, but you need to check the policy carefully if you choose not to use them and go elsewhere. The one caveat is, the natural disaster cannot happen in a location that already has a travel exclusion like a war zone.

Delivered by Lorne S. Marr, the president of LSM Insurance and mortgage life insurance expert

Water is perhaps the most important part of any emergency food kit. Humans can last for weeks without food, or at least only on a tiny amount, but if there is no water, then life expectancy becomes reduced to days. It is generally recommended that enough water be stored to supply each person in the family with four liters per day. This is two liters for drinking, and then another two for washing and hygienic purposes. The container that the water is stored in must be sanitized and cannot have been used to store something else, like milk.

With regard to your preparedness supplies, there are numerous types of food that can be stored safely. Canned food, peanut butter, crackers and dehydrated foods, as well as other staples that last for a long time and do not require refrigeration are good choices. The less reliance there is on water to prepare meals the better, so pasta is a choice but not necessarily the best one. In terms of storage, the thing to remember with food is that it needs to be replaced every year. Otherwise you run the risk of it expiring.

Emergency water and food also need to be stored in a good spot. It should be somewhere that is easy enough to access, should there be structural damage to your home, and very importantly, it should be somewhere dry. A wet environment can cause the food to go bad. You should also keep the food somewhere that doesn’t see a lot of bug or pest activity. It is a good idea to regularly check your supplies for any signs of vermin activity.

When making plans for storing emergency food and water, make sure you take the time to do the research so that it is done properly. One could store a massive amount of food and water but if a time comes when it is needed and the food has expired and the water is no longer safe for drinking, then it all will have been a waste of time and money. Know how to safely store your supplies and when to restock, and know what kind of supplies are most appropriate for surviving any kind of bad situation.

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Emergency supply kits should always contain a certain amount of food and water. Food to have on hand should not need any refrigeration, such as dehydrated foods, and any food should require little to no water to prepare. If there are any allergies or special needs involving the people in the home, then that should be taken into account. With regard to storing water, supplies should be in the amount of four liters per person daily, so that there is enough for drinking and for washing. Dry goods should usually be replaced after one year, and water after six months.

First aid supplies should also be a part of emergency kits. First aid medical kits should have material for sterilizing cuts, bandages to dress wounds, and a first aid manual to explain how to treat a variety of injuries and illnesses. A more complete kit may include small tools like scissors and tweezers, hot and cold packs, and some medicine to treat illnesses. If you have a regular prescription, then it is advised that you request an extra week’s supply and rotate that dose in with the first aid kit.

There are other supplies that an emergency survival kit should have, though a lot will depend on what part of the world you live in. Common items are a radio and extra batteries, waterproof matches, a whistle, a flashlight, and paper and pens. In some cases specialty kits can be purchased that contain many of these tools together. Heavy duty flashlights will sometimes have a radio built into them, with a compartment where items like matches and other smaller tools can be stored.

Homes that have emergency kits in them are more likely to have families that will be able to deal with disasters more successfully. When roads are closed, stores are empty, and there is no help coming, having your own supplies will make you better equipped to deal with a crisis. Even if you do not need to use the items in your kit, just having them there will be a boost of confidence and will help you and your family deal with the situation more easily.

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One of the most serious forms that a home emergency can take is when there is a gas leak. This can result in an explosion or if the gas is in an enclosed space, people can pass out from the fumes and then die if they are not moved in time. The odor of rotten eggs is an indication that you have a leak, and you should shut off the gas immediately. If you don’t know how to do this, then leave your home and call the gas company from an outside line. Never turn on or shut off anything electrical when you smell gas.

In addition to the gas leak, a power failure is another common emergency that most of us have experienced at home, at one time or another. The first thing to do if the power goes out in your home is to reset the circuit breakers. If that doesn’t work and the homes around you are also dark, then it is probably a power failure. The power company should be contacted, but while you wait you can turn off all the lights in your home and all your major appliances. When the power comes on you don’t want to have any of your stuff damaged by a possible power surge.

Finally, as safe as we try to make our homes, an emergency in the form of an injury is also a common occurrence. People can fall down stairs, cut themselves with a knife or another sharp object, or choke on food while eating. The best steps to take are to minimize chances of these accidents occurring, but you can also be prepared to deal with any problems. Having first aid medical supplies on hand, emergency phone numbers nearby, and educating yourself on basic first aid practices can mean the difference between an unfortunate accident and a devastating incident.

A home emergency can be a scary situation, but you can minimize the chances of a serious problem by taking a few preparatory steps. First aid kits are a good start, as is a walk-through where you make sure you know exactly where things like fuse boxes are and that you know how to turn them off. It may sound silly in this day and age, but emergency drills are a good idea as well. This way you can ensure that both you and your family know what to do should something bad happen.

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The amount of water to have in your preparation supplies is generally said to be four liters or one gallon per person per day. Half of this amount is for drinking, and the other half is for washing food and cleaning one’s body. If you are in a hot environment, then you are likely to use up more water so additional amounts should be stored. If you don’t have enough water, then the risk of dehydration and illness will naturally increase. The length of time you should prepare for is three days, so that will mean twelve liters of water per person.

Emergency water can be stored in different types of containers, and even ones that previously held juice or carbonated beverages can be safe for use, as long as they are thoroughly cleaned first. Milk jugs, the large, plastic four liter ones, seem like the perfect container but because they are difficult to clean completely, you should not use them. Place your containers in an accessible location that is not exposed to direct sunlight. Plastic containers can deteriorate over time from the sun and thus cause contamination.

Emergency supplies of water, just like emergency food, needs to be checked on a regular basis and replaced. While canned food can generally last for one year before needing to be changed, water usually has a shorter shelf life of six months. As mentioned above, plastic containers can deteriorate over time too and this can affect the quality of the water inside. If you have bottled water, then go by the expiry date on the label. To extend the life of your water you can always put some in the freezer. If you do this, just make sure that you leave a few inches of space between the lid and the top of the water to prevent the container from cracking.

So, making sure that you have a supply of emergency water is just the first step. You then need to make sure that it is placed in appropriate containers that will not leak or deteriorate over time; you will have to find space to store enough water so that each person in your family will have twelve liters to last over three days; and you will need to have a system of replacing all that water every six months. It is an investment of time and energy, but you may be very glad you did so.

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Probably the most common emergency product for people to have on hand are first aid kits. Every family should have one in their home for small accidents, but it is also important to have a kit that contains supplies that can deal with more serious injuries. There may be limited transportation options and huge delays in rescue services should a catastrophic event suddenly strike. If you or a loved one sustains some type of injury, then they may not get any proper aid for quite some time. A first aid kit can provide some initial assistance, or in some cases complete assistance, until proper medical aid can be received.

We are so used to having lights on everywhere that when the power does goes out, such as during a storm, we tend to have a very difficult time. That’s why one of your emergency products should always be a flashlight. This will allow you to function when it gets dark, and reduce the number of accidents you and your family could have, and improve your chances of not getting lost. Ideally, it should be a large flashlight that provides a strong source of light.

Of course, it goes without saying that your preparation supplies should also contain food and water. It is well and good to stock up on tools and information to help you deal with an emergency situation, but little of that will be of use if you are restricted in your ability to leave your home and you don’t have enough food and water for your family. You should have enough of both to last you and your family several days, just in case it takes that long to receive proper aid.

So don’t put things off. Take a couple of hours to go out shopping and pick up some emergency products so if the worst does happen, at least you will be better prepared to deal with it. We cannot rely on the government to take care of us if something bad does happen, as we have seen again and again. It is up to you to take steps so that for the short term during an emergency, you and your family will be able to deal with the situation effectively and calmly.

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