SBA refines the art of dodging bullets

Orange, Rockland and Westchester counties were declared disaster areas shortly after the April 15 nor”™easter. Dutchess and Ulster soon followed suit. But we”™re not out of the woods yet, say weather watchers, prompting the U.S. Small Business Administration (SBA) to issue some disaster preparedness tips.
Last year, the SBA approved more than $11 billion in disaster loans nationwide.
While businesses are slowly returning to normal, here are some tips to help both business and homeowners prepare for the next 2007 event ”“ a year forecasters predict will consist of above-average storm activity:
*A solid emergency response plan: Find escape routes from home or business and establish meeting places. Make sure everyone is “on board” before the event strikes. A list of emergency phone numbers is a must and business owners need to designate a contact person to communicate with other employees, customers and vendors. Individuals need to have an out-of-state friend or family member as a single point of contact.
*Adequate insurance: At least enough to re-build your home or business. Review your policies to see what isn”™t covered. Business should consider “business interruption service” which helps cover operating costs during post-disaster shutdowns. Flood insurance is a must. To learn about National Flood Insurance, visit www.floodsmart.gov
*Backup data: Copies of important records, backing up data on computer hard drives and storing in an off-site location is just plain good business. Documents and backup CDs should be stored in fireproof boxes.
*Keep wind and water out: Installing impact-resistant window and door systems, or putting up plywood before the storm strikes, can enhance ability to resist impacts from windborne debris.
*Disaster survival kit: Do you have one? We all say we do, but raise your hand if you have: a flashlight, a portable radio, extra batteries, first aid kit, nonperishable and packaged foods, bottled water, a basic tool kit, plastic bags, cash and a disposable camera to record property damage after the storm.
While applying for help through FEMA and the SBA can be tedious, officials hope businesses and homeowners will be willing to go through the process to receive help to rebuild or repair their damaged properties.
To contact FEMA go to www.fema.gov, or call (800) 621-FEMA; to contact the Small Business Administration, go to www.sba.gov, or call (800) 659-2955.