Are you prepared for a tragedy? - Fox 28: South Bend, Elkhart IN News, Weather, Sports

Are you prepared for a tragedy?

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You can never be fully prepared for a jet to crash into your neighborhood, or to be evacuated from your home, but there are things you can do to prepare.

"We were only able to grab a coat and out the door, that was it," says Judith Hoffmann.

Hoffmann lives down the street from the plane crash, she says she wishes she had an emergency bag together when she was evacuated Sunday. "Everybody has a backpack or a rolling suitcase, they should always have a change of clothes for two days for everybody, medications for at least a couple days, money, keys."

Luckily she says everything else fell into place. "Our insurance covers all our expenses."

That included meals and her hotel stay during the evacuation. "All our expenses were covered, what more can you ask for? Nothing spoiled, my husband went around and set the clocks and microwave and everything." And now life is back to normal for her.

But would YOU be prepared? State Farm insurance agent Calvin Johnson says it's important to plan before tragedy strikes. "Every family ought to have a disaster plan so that if something happens at your home, be it a plane crash, a tornado or something else, so that a family's always prepared."

Whether you're hit directly by the disaster, like people living in homes that took a hit, or you're down the road like Hoffmann, Johnson says make sure you understand your insurance policy. "You have to know what your policy actually covers and you want to know that ahead of time, not when the disaster occurs."

He also says to know what you have. "We suggest to everyone that you inventory every bit of your personal property. We even have a joke, all the way down to the silverware and underwear drawer and the pictures on the wall."

And after taking a look at the scene a few houses down, Hoffmann says that's a good idea. "Seeing down at the destruction down the street, it doesn't look like they got anything out of there at all."

Johnson says it's important to go over your insurance policy with your agent at least once a year. That way you'll both be on the same page about what's covered and what's not.

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