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<br />catastrophic crown fires because of the "fuel ladder" effect. In a thinned forest, the fire will likely <br />stay a ground fire, and will probability do little damage. <br /> <br />IV. TIPS TO MINIMIZE LOSS OF LIFE AND PROPERTY <br />IN THE EVENT OF A FLOOD <br /> <br />The following tips are from the Federal Emergency Management Agency's National Flood <br />Insurance Program and should be used as suggested guidelines for action before, during, and <br />after a flood. <br /> <br />STEPS TO TAKE TODAY <br /> <br />~ Make an itemized list of personal property, including furnishings, clothing, and valuables. <br />Photographs of your home - inside and out are helpful. These will assist an adjuster in <br />settling claims and will help prove uninsured losses, which are tax deductible. <br /> <br />~ Learn the safest route from your home or place of business to high, safe ground if you <br />should have to evacuate in a hurry. <br /> <br />~ Keep a portable radio, emergency cooking equipment, and flashlights in working order. <br /> <br />~ Persons who live in frequently flooded areas should keep on hand materials such as <br />sandbags, plywood, plastic sheeting, and lumber which can be used to protect private <br />property. (Remember, sandbags should not be stacked directly against the outer walls of a <br />building, since, when wet, the bags may create added pressure on the foundation.) <br /> <br />~ Buy flood insurance. You should contact your property/casualty agent or broker about <br />eligibility for flood insurance, which is offered through the National Flood Insurance <br />Program. Generally, there is a five-day waiting period for this policy to become effective, so <br />don't wait until the last minute to apply. <br /> <br />~ Keep your insurance policies and a list of personal property in a safe place, such as a <br />safe-deposit box. <br /> <br />~ Know the name and location of the agent(s) who issued the policies. <br /> <br />WHEN THE FLOOD COMES <br /> <br />The safety of your family is the most important consideration. Since flood waters can rise <br />very rapidly, you should be prepared to evacuate before the water level reaches your <br />property. <br /> <br />14 <br />