Preparations for Hurricane

I am under a hurricane warning, with winds of up to 110 miles per hour and nearly a foot of rain being expected in my area. We are now less than 24 hours to the expected arrival of tropical storm force winds. As soon as winds are above 45 miles per hour, emergency services stops responding and we are on our own until the storm has passed. So let’s review my hurricane checklist:

Records

Downloaded all vital records to my NAS. If for some reason your possessions are destroyed, the one thing that is most difficult to replace is data. Make sure that there are scans and backup copies of personal data: your driver’s license, professional licenses, birth certificates, bank information, etc. Then create a HYST file and download the contents of that HYST file to several thumb drives. One goes in the safe, one in the BOV.

Energy

Solar and Powerwalls take care of most of that. Powerwalls are charged to 100% automatically when bad weather approaches. I also charged up all of my rechargeable flashlights, lanterns, and other battery operated stuff. I also have 5 full Bar B Cue bombs that are full and ready for cooking on a portable propane stove. I also have propane lanterns and a grill.

Security

Let’s just say that we are OK there on weapons and leave it at that. I also picked up all of the outside stuff that can blow around, and secured them in the garage. Tested all communications, and updated the comms plan for the radio in the BOV. It’s a Yaesu 400XDR and is programmed with your frequencies by inserting a micro SD card. Done.

Shelter

The house, of course. For backup, we have a tent, and our closest BOL is the in-laws’ house an hour away.

Food and Water

We have an ample supply of both. We even have a good supply of Hurricane snacks, as is traditional in Florida.

Medical

We have our medical supplies laid in. That includes emergency medications, prescription medications, and plenty of first aid supplies.

Recon

Lastly, I did a drone flight around the area and got plenty of pictures for use later to survey damage.

So now I relax for a bit and get some rest for what promises to be a long day tomorrow.

Hurricane Preps

I really never have much to do for hurricanes, as most of my preps are done already. All I do is:

  • make sure that my truck is full of gas,
  • I fill a couple of gas cans because sometimes fuel is hard to find, and we need to get to work
  • put the outdoor furniture in the garage
  • Pack a bag in case I get called in to work.

That’s pretty much it, and I did that yesterday. I you wait until warnings and watches get issued, you wind up getting stuck with the crowds. I am spending the morning helping people in the area get ready. I went out with a few people and filled dozens of sandbags so people in the area who live in low lying homes can keep water out of their garages. I also helped clear out some vegetation from people’s drainage swales. In some cases, the homeowner helped, but in a couple of cases the people who lived there were old and infirm.

If we are going to make it, we need to unite with our neighbors. Doing it now ensures that you have goodwill in the area. It also lets you learn who is a “good” person and who isn’t.

It’s been raining for several days, so the ground is saturated. That is going to mean the rain/flood threat is high.

Three days in the ED this week

Day One

I was working in the red zone when a patient came in and went into cardiac arrest in the lobby. I went to the trauma room, and was put in charge of the code cart. That means you draw up the medications, run the defibrillator, and deliver shocks as needed. You don’t usually look at the patient, as you are busy with other things. When I did look over, I realized that the patient was the 30-something year old son of an old friend. The last time I saw the kid, he was still in high school. The entire time we worked him, his wife was in the room. We had offered to take her to wait in the chapel, but she refused to leave the room. When the charting nurse said, “Time of death, 6:17” the wife let out the most anguished scream. It was something that you felt all the way to your soul. I spoke with his father, who told me that parents aren’t supposed to bury their kids, and asked me in anguish what he was supposed to do next. It’s much harder to stay detached when it is someone you have known since he was born. I had trouble sleeping that night because of it, and woke up at 3 am before staring at the clock for an hour and a half. I wound up only getting about four hours of sleep, not nearly enough after a day like that.

There was the man who lived in a group home because he was mentally retarded. He came in with stomach pains, but couldn’t tell us what was wrong because he is mostly non-verbal. It turns out that the group home served him refried beans the night before, and he needed to take a gassy deuce.

Day Two

Day two saw me assigned to the green zone because I think that they were feeling sorry for me from the previous day. That day was rough because I was sleep deprived. A woman was angry because her teenaged daughter was diagnosed with COVID, and we were sending her home with instructions to take Tylenol. The woman wanted us to write her a prescription for the Tylenol so Medicaid would pay for it, because she didn’t want to pay for it herself. So of course we did, gotta have those Press-Ganey scores to get paid under the Obamacare rules, you know. Your tax dollars at work.

Day Three

I was in triage for day three. A guy came in complaining of abdominal pain. Said he hadn’t seen a doctor about it. Then I pulled his chart, and an alert came up that he had just been seen at another hospital 30 minutes away. He was just discharged 35 minutes before for the same problem. He said in response, “Yeah, but they didn’t give me what I want.” He has been seen 14 times in one ED or another over the past three months. But we can’t say no, thanks to EMTALA. So again, your tax dollars at work.

I slept in this morning, then went to a local eatery for some chicken fried steak and eggs breakfast. I paid extra for onions in my hashbrowns. Now I have to get prepped for our next hurricane, set to arrive on Tuesday. So this is all of the posting you get today.

FEMA Refresher

From three years ago. I figure this is needed since there is a lot of misinformation about the hurricane response.

Many people see FEMA as some sort of large Federal organization that responds to emergencies. They aren’t. What FEMA is, is a guy with a Rolodex (Remember those? If you don’t, ask your parents, snowflake.) and a checkbook. There isn’t some magical team of Federal Employees sitting around, waiting for “the big one” so they can swoop in and save everyone. That isn’t how it works.

No, this FEMA guy’s phonebook is filled with the contact information of local and state resources that can be called in an emergency. Those resources respond, tracking expenses and man hours used, and the FEMA guy then breaks out the checkbook to reimburse the states involved. The Governor doesn’t call out FEMA for shit. If you want to get technical, FEMA can’t do a thing unless the President tells them to. (Didn’t Trump catch hell for that recently?) FEMA’s largest contribution is writing the check to pay for it all.

After 9/11, the US government came up with the concept of Urban Search and Rescue Teams. They follow a set of guidelines in equipment and training, so that all of them nationwide operate on a similar set of procedures. This makes them interoperable across state lines: a person qualified for one could easily fit into any of the others. A USAR is equipped with everything from power generators to food trailers and rescue equipment. They have medical supplies, fuel, and all other equipment needed to fulfill their mission. Each USAR maintains over 5,000 pieces of equipment and has 140 or so assigned personnel. They can operate independently for 2 weeks, longer with resupply of fuel, food, and other consumables.

While there are some variations in the mission for each team (a team in Florida doesn’t need to be equipped for blizzards, for example) the teams are remarkably similar in training and equipment.

Florida doesn’t need FEMA resources for a building collapse. The state has eight Urban Search and Rescue Teams, all of whom are trained and equipped for that. Each one is centered on a large city, and draws its personnel from surrounding first responders. These first responders volunteer for the team, are sent to special training, and then become qualified for the team. Specialists are trained in HAZMAT, trench rescue, building collapse, confined space, water rescue, dive rescue, high angle, and vehicle and machinery rescue. Every member is certified as an EMT or Paramedic. It takes 2 to 3 years of training to fully qualify for a USAR team, on top of the extra training that they do on a constant basis. Most USAR members are the best of what their employing agencies have to offer. They are the most motivated and able of emergency responders.

To be honest, I loved deployments. Not because deployments meant people were suffering. No, mostly it was because they were a test of all that you had learned. That, and a FEMA deployment usually pays pretty well. I was deployed to Katrina for 12 days and was paid more than $5,000. You want people who bring years of expertise and thousands of hours of training to come save you? You want people willing to live on 3 hours’ sleep a night without bathing while shitting in a bucket and eating old MRE’s for two weeks? It’s gonna cost ya. That kind of expertise and dedication isn’t cheap.

DeSantis Takes Action

Every time there is a strike from a national union, we hear stories of union members committing violent acts to keep others from going on with their lives without the union’s blessing. I remember a Greyhound being shot at during a teamsters’ strike years ago. The leader of the longshoremen threatened to “cripple” us. The Governor of Florida took action to make sure that this doesn’t happen.

Fire Departments

When talking about libertarian theories of government, someone always comes forward with the example that fire departments be privatized. When I point out that private fire departments were already tried in this country and didn’t work, someone always points to volunteer fire departments as an example.

And they are wrong. Fire departments are a subject in which I consider myself to be an expert, having functioned and worked in half a dozen of them over a three decade period. I have been a volunteer with at least four different volunteer fire departments. Three of them are no longer staffed by volunteers, and the fourth is in a VERY rural area.

The problems with running a volunteer department are many. Let’s start with the reason why libertarians want to use them- money.

Funding

While cheaper than a full time, paid department, volunteer departments still cost money, and in most cases those departments are nowhere near as effective as a career department. There are only two ways that a fire department can be funded: Through tax dollars, or through voluntary donations called “membership fees.”

The tax dollar funding model is self explanatory, so I will spend some time discussing membership fees. In order to become a member of the fire association, each property owner pays a voluntary membership fee, with these fees ranging from $30 to a couple of hundred, depending on the particulars. If a member’s property is responded to by the fire department, their membership fee is all that they pay. If the fire department responds to a nonmember’s house, there are two possibilities:

  • The department refuses to respond to the nonmember’s property. This creates a lot of bad press, as people think that it’s wrong to allow a home to burn down because they haven’t paid. There are those who say “Just let them pay the fee after the house catches fire.”
  • So the department has a fee structure where a nonmember is billed after they have a fire. That is not really workable, because the chances of any one person having a fire is exceedingly small, on the order of 1 in 10,000 or so. Many people will roll the dice in such a situation and wait until they have a fire to pay. If everyone refused to pay until they have a fire, the department would either have no funds, or the fee would be so large that people couldn’t pay it. Even volunteer departments charge fees of $5,000 or more to put out your fire.

All fire departments require large amounts of funding. There are fire trucks to be bought, a fire station, firefighting equipment, insurance, utilities, fuel, and a myriad of other expenses like training that all must be paid for. The larger and busier the department is, the more that costs.

Let me explain:

Volunteer department D: This was a very busy volunteer fire and rescue squad in a large city (over 400,000 people) that had been in operation since the 1950s. Over the years, more and more career firefighters were added to staff the station during periods when the volunteers were unavailable. When I was there, one fire engine and one ladder truck in the station were staffed 24/7 by a crew of 8 career firefighters, while several EMS units and a second fire engine were staffed by volunteers. There are no longer any volunteer firefighters there. While I was there, it was volunteer, but it still was funded by tax dollars and had an ISO rating of 4/9.

Volunteer Department H: This is a volunteer department in a very rural area of the Ozark mountains. It’s staffed by untrained volunteers, and while they work hard, they have almost no money for equipment. The fire engine that they had was a 1950’s era fire truck. In the year that I was there, they had exactly 5 fires: 2 brush fires, 2 chimney fires, and one house fire that saw the house burn to the ground. It had an ISO rating of 9. It is funded through mandatory fire fees that are collected through the county tax office, and has an operating budget of about $50,000 a year, even though there are only about 500 residents.

Volunteer Department B: This was a busy volunteer department that responded to approximately 4,000 calls per year out of two stations that contained a total of four engines, two brush trucks, two ambulances, a pair of tankers, and a rescue squad. The ambulance at each station was staffed by two career firefighters, and the fire engines were staffed by volunteers. The requirement was that one fire engine at each station was staffed 24/7 by two volunteers. Each volunteer was required to be in the station for four 12 hour shifts per month. The funding for this department came from tax dollars. Eventually, the department went to a full time career staffing model. When it was volunteer, it had an ISO rating of 5/8.

Volunteer Department M: This was also a busy volunteer department. It responded to about 1,500 calls per year out of one station. It served a small town of about 12,000 people until the late 90s, when the population (and 911 calls) exploded, with the town going from a population of 12,000 to 70,000 within just three years. The volunteer system collapsed under the weight of increased call volume, and it was taken over by a career department. The station had a rescue squad, a tanker, a fire engine, and a brush truck and was supported by tax dollars. Its ISO rating was a 6/9, but the station is gone and there is a gas station where it used to be.

There are some very successful and large volunteer fire departments. The Thibodaux Volunteer Fire Department is one such department. It boasts 500 volunteers responding to calls out of 10 fire stations, with 150 of those volunteers being active in responding to calls, the rest of them doing fundraising and other services. The department has an ISO rating of 3. However, the city of Thibodaux provides nearly half of the department’s $2 million in operating expenses from tax dollars. This is a great example of the best in Volunteer firefighting, but it still needs to be funded through taxes.

Staffing

The additional fact is that volunteerism is declining in this country, and has been for decades. A lot of factors go into the reasons for that. The demands on volunteers’ time is one- training, maintenance, and increasing call volumes are big reasons for this. Not to mention, it’s easy to get people to show up to the “exciting” calls like plane crashes, fires, and auto accidents. It isn’t nearly as easy to get volunteers to show up to EMS calls, because it isn’t “fun” to show up and deal with the demented old lady who is covered in her own shit. Firefighters, especially volunteers, are adrenaline junkies, and EMS runs just aren’t exciting.

Trust me- I was in charge of retention and response at department M during the end of my time there. We tried a mandatory staffing model like Department B, but there weren’t enough volunteers to do it. We tried paying a volunteer $5 an hour to staff it during the day when the other volunteers were at work. Then we tried paying volunteers $4 each for showing up to EMS calls, but that didn’t work either. The demands on people’s time was just too much to bear. The number of calls that went unanswered climbed steadily, until almost 10 percent of non-fire calls went unanswered. People just didn’t want to run the “boring” calls. As one volunteer told me- “I am here because I like putting out fires. I give the time I want to give, that’s what volunteering means. I am not about to come in at 2 am just to wipe grandma’s ass or deal with some homeless junkie.”

Training

Another demand on firefighter time is training. Everyone likes to do live burns. Those are fun. Where people don’t like to train is in the more dry subjects- classroom time in HAZMAT, medical training, and the hundred other topics that are required to run a fire department. It’s getting more and more difficult to get people to come to things like training. Even paid firefighters hate training- and there is a lot of it. To become a state certified firefighter and EMT in Florida takes nearly 2,000 hours of training, and then another 250 or so hours of training per year. It’s a lot, and volunteers just don’t have the time to engage that much.

It’s tough, and it’s getting tougher, to recruit, train, and retain volunteers. It’s tough to fund their operations without using tax dollars- in fact, it’s almost impossible to do so without some form of mandatory, tax funded source of income.

Longshoreman, or Mafia?

It’s a lovely country. Shame if something were to happen to it.

He says if the government forces them to return to work, they will just show up and do almost nothing while collecting a paycheck. That should happen, and anyone who works at a production rate that is less than 80 percent of their average rate should be terminated immediately and without appeal.

Longshoremen make an average of $70 per hour, and are demanding a 77% raise- to an average of $124 per hour. THAT is why your dumb asses are being automated out of a job. All you do is drive a forklift or operate a crane. That simply isn’t a valuable enough skill to demand that kind of scratch, and it is far cheaper to get a robot to do your job than it is to pay you more than a quarter million a year to load and unload cargo.

Oh, and the union boss? He makes a million a year, owns a large yacht and a mansion. All paid for by the union dues of those whose best interests he claims to represent.

What Is Insurance?

Insurance is nothing more than a shared risk pool. One of the basic principles of insurance is that of risk sharing. The definition of risk sharing is nothing more than using strategies to mitigate the consequences of adverse events by spreading the potential burden across multiple stakeholders. 

The insured pays a premium in exchange for the insurer’s promise to cover the costs of certain losses, should they occur. This arrangement allows the insured to manage their financial exposure to risks, while the insurer pools the premiums from multiple policyholders to cover claims and maintain profitability.

Let’s start with life insurance, which is one of the easiest examples of risk sharing. You recognize that the cost of your funeral would be an unfair burden on others, so you want to purchase $10,000 in life insurance to help your loved ones out in the event that you die. The insurance company pools you together with people who have the same rough statistical chance of dying (using actuarial tables). Let’s say that those tables show that the chances of your death are 1 in 1,000 for any given year. This means that, in any given year, for every 1,000 people like you, the insurance company will pay out one policy. Now that they have the odds of payout, they have to calculate cost. Accounting for overhead, the insurance company will have to charge $12 in premiums to 1,000 people in order for $10,000 in coverage to be profitable for them. You are sharing the risk.

Now let’s assume that you are buying homeowner’s insurance in Florida. The company knows the chances of you having a fire, a flood, or a hurricane loss in any particular town. As we have seen with just the two examples (ISO and BCEGS), the insurance companies have REAMS of data that they use to calculate their odds of paying you. They then use their data to calculate the risk pool that your property falls into.

They use the ISO ratings of your area to determine the fire risk pool. They use the odds of a windstorm and the BCEGS rating of your community to determine the risk pool for natural hazards. They mitigate their exposure to liability due to criminal activity by excluding things like damage from police executing search warrants from coverage. Some natural disasters, like earthquakes, floods, landslides, and sinkholes, are often excluded from insurance coverage. (If there has been a sinkhole in the past 5 years that is within a mile of your house, no one will sell you a sinkhole policy) By the way, here is a listing of the ISO and BCEGS ratings (pdf warning) for all of Florida.

At the same time, the risk of a homeowner experiencing a theft are calculated, so are the risks of your dog biting someone, as well as every other risk they can think of. Even included is your credit score, because credit is a predictor of your likelihood of filing a claim versus just paying to fix it yourself. Poor people with bad credit are far more likely to file a claim than a well to do homeowner who doesn’t want his rates to rise for a small claim, so they just fix it themselves.

Each of these risk pools has its own set of risks and costs, and the insurance premiums are a reflection of that. Since each insurance company has its own set of criteria for predicting risk and loss, each company will have different rates. If you look closely at your policy, you will see that it doesn’t pay out for things like a terrorist attack, an act of war, a nuclear detonation, and any number of other things that the insurance company knows will result in too much risk.

If you don’t want to pay higher premiums because of hurricanes on the coast, you can always insure your house without hurricane coverage, called an x-wind policy, or just go without insurance. If your house is mortgaged though, good luck with that.

An x-wind policy is where the homeowner signs a paper declining coverage from windstorms. If the home has a mortgage or a lien, then the policyholder must also get a written statement from the lender or lienholder saying it approves the policyholder choosing to exclude windstorm coverage from the insurance policy. If you do choose to keep hurricane coverage, you will have to select what your hurricane deductible will be: $500, 2 percent, 5 percent, or 10 percent of the policy dwelling or structure limits. (some other restrictions apply- talk to your agent) Selecting higher deductibles means that you are assuming some of the risk for hurricane damage, which will result in lower premiums by placing you in a different risk pool. YMMV.

BCEGS Schedule

Not only does the Insurance Services Office (ISO) rate fire departments, it also rates building code effectiveness. The Building Code Effectiveness Grading Schedule (BCEGS)  assesses community building codes and their enforcement, with special emphasis on mitigation of losses from hurricanes, tornados, earthquakes, and other natural hazards.

Areas with well-enforced, up-to-date codes have a better loss experience, which can be reflected in lower insurance rates. Lessening catastrophe-related damage and ultimately lowering insurance costs provides an incentive for local and state governments to enforce their building codes rigorously — especially as they relate to windstorm and earthquake damage.

Just like the ISO fire protection class, the BCEGS rating is based on a scale of 1 to 10, with 1 being the best and 10 being the worst. ISO develops advisory rating credits that apply to ranges of BCEGS classifications (1-3, 4-7, 8-9, 10). So a community that is in the 1-3 zone would receive the best rate credit, while on in the 8-9 would be charged more for insurance. A community that refuses to participate would fall into the same category as a eight or a nine (called a nine eight, and written as 98).

The BCEGS program assesses a community’s building code enforcement in three areas:

  • Code administration
  • Plan review
  • Field inspection

The classification uses 1,243 data points to calculate two scores: One for one- and two-family residential construction, and another for commercial or industrial construction. The scores are assigned a scaled class rating of 1 (exemplary commitment to building code enforcement) to 10. The classifications apply to communities under the jurisdiction of each building code department. Here is the nationwide breakdown of BCEGS ratings:

The ratings vary by state. In Florida, the lowest BCEGS rating is in the Florida Keys, which has a 5 rating. The rest of the state is 4 or higher. Most of the coastal counties are a 1 or a 2. In Tennessee, more than half of the state is rated a 6 or lower.

The states with the lowest ratings are Kansas, South Dakota, and New Mexico, which are all an 8 for residential buildings. The highest rating for residential is California as a 3. Florida averages to a 4.

Keep in mind that the BCEGS doesn’t just rate building codes, but is also a rating of how vigorously they are enforced. California receives such a high rating not only because of their strict earthquake code, but in how strict they are in enforcing the code.

The BCEGS is an important datapoint used by insurance companies in determining the risk they face when insuring property against natural hazards.