Getting hot in the midst of a storm
For the past ten years, the Philippines have been persistently stricken by catastrophes. The worst was Typhoon Haiyan (Yolanda). It was deemed the most intense tropical cyclone and the deadliest typhoon to hit the Philippines on record. You may have been wondering about the bakwit after years of struggling to survive. How do they recover?
Last year until recently, a series of earthquakes have been reported. If not through the daily news, then you have surely felt it too. Is it slowly crawling out to become something bigger? Only God knows and we can’t help but think ‘what if we were the ones in the shoes of the victims.’ Start praying and start preparing - but can we really prevent its life-changing effects?
Disasters have inevitable repercussions. Even with minimal damages, the cost to recover from these isn’t just a drop in the bucket. It is good to prepare by saving up money for emergency, but just one serious smack coming from one of these perils can totally drop you off the dinner table - your life savings and property included. Preparedness for earthquakes and typhoons reduces - not limit - the risk of facing ill consequences.
Earthquake - We all know what this is. Putting it simply, earthquakes are caused by the movement of dynamic plates deep underground. To learn more about earthquake preparedness, we have this ready for you: Getting ready for the “big one”
Typhoon - "Typhoon" is the name of these storms that occur in the Western Pacific. This is formed from winds around low atmospheric pressure regions. It is a spiral system of violent winds and is powered by the evaporation of warm ocean water.
Also, consider both earthquake and typhoon phenomenons may have these side effects:
Flooding - Flooding is an overflow of water from nearby bodies of water, particularly river basins, during typhoons. The weather conditions in a river basin and the state of its river system is never constant. The behavior of the river itself is the result of the interaction of all hydrological (water cycle in the atmosphere) processes and conditions in the river basin. Occasionally, flooding is also caused by tsunamis in earthquake situations in areas near the sea.
Philippine Astronomical, Geophysical and Astronomical Services Administration (PAGASA) has prepared this quick guide to handle flood situations:
Before the flood:
When warned of flood:
Fire - A good servant, but a bad master. Fires occur most frequently and spring from different causes. Depending on the type of fire (nature of the material ablaze), wind conditions, and the effectiveness of first responders in your area, material damage can be limited but, equally, our efforts to prevent it are restricted during disastrous events particularly earthquakes. To learn more about preventing these fiery disasters, we have prepared this article for you - The top 3 causes of fires in the Philippines and how to prevent them.
We’ve always heard about how to prepare for disasters through disaster awareness efforts done by government and private organizations. This can definitely give us a fighting chance to survive vicious acts of nature. Moving that out of the way, the question ‘what comes after?’ remains. Devastating incidents usually leave survivors generally broke. It’s bad enough that they had to go through surviving the harrowing ordeal during the catastrophe; what’s worse is surviving life itself with what they have left. We can only observe all these happen as they come - even with so much preparation. Early on, it would be wise to acknowledge the things that we can control.
The Philippines is geographically located where catastrophes are likely to happen. Situated in the Ring of Fire (a major area in the basin of the Pacific Ocean where volcanic eruptions and earthquakes are likely to occur), with warm ocean waters being in the Tropics (where storms are likely to form), and with data on record about the millions worth of damages resulting from past calamities are some facts that are discouraging to know. Considering all the potential losses and the quality of life survivors will face after a disaster, the best option would be to invest in life insurance and in fire insurance, which survivors will ultimately benefit from.
Fire and property insurance covers losses and damages caused by fire and Allied Perils (flooding, earthquakes, typhoons). Having this type of insurance usually gives you these general benefits:
It is a universal rule to capitalize on things that you can control when the going gets tough, or in this case, before it gets tough. Preparations are very helpful to minimize risks but sometimes, and almost usually, having a fire extinguisher and knowing how to swim are just not enough.
Need help? We have you covered.