Hurricane Season: Why don’t they just leave?

Hurricane Season: Why don't they just leave? Image of phone emergency alert.
Image of cars of bumper to bumper traffic during Hurricane Ida evacuation
Image I snapped while evacuating for Hurricane Ida on August 28, 2021.

If you live in the Southeastern United States, during the months of June through November, you can expect to hear a number of reports of “activity” developing in the tropics. Hurricane season is yearly, so those newscasts are expected. Being from the South, you begin to even find interest in learning the storm names chosen each year. Suddenly, a major hurricane develops in the Caribbean and appears to be heading for a US impact. Residents of the area begin to pay attention a few days out from the anticipated landfall date. Those watching from afar begin with their comments: It’s hurricane season. Why don’t they just leave?

Hurricane Season:  Why don't they just leave? Young girl pictured in front of a tree.
Jillian captured by The Coleture Visual Art Studio while evacuated during Hurricane Ida.

What is a hurricane?

According to the Merriam-Webster Dictionary, a hurricane is categorized “as a tropical cyclone with winds of 74 miles (119 kilometers) per hour or greater that is usually accompanied by rain, thunder, and lightning, and that sometimes moves into temperate latitudes.” Before becoming a hurricane, the storm is a tropical storm, which has maximum sustained winds of 39mph to 73mph. And even before becoming a tropical storm, it is a tropical depression.

If you followed any of the recent coverage of Hurricane Ida, you probably heard meteorologists repeating that the areas to the East, or right, of the storm were in the most imminent danger. Hurricane winds rotate counterclockwise in the Northern Hemisphere, and that’s where the speed and strength of the winds are. Therefore, it is the most dangerous side of the storm.

Screenshot of nola.com article about Hurricane Ida.

What do the categories really mean?

A hurricane’s strength is grouped into five categories. The rating is based on the hurricane’s maximum sustained winds, with the higher categories showing the greatest potential for property damage. The National Hurricane Center explains:

    Category    Sustained Winds                   Types of Potential Wind Damage

174-95 mph
64-82 kt
119-153 km/h
Very dangerous winds will produce some damage: Well-constructed frame homes could have damage to roof, shingles, vinyl siding and gutters. Large branches of trees will snap and shallowly rooted trees may be toppled. Extensive damage to power lines and poles likely will result in power outages that could last a few to several days.
296-110 mph
83-95 kt
154-177 km/h
Extremely dangerous winds will cause extensive damage: Well-constructed frame homes could sustain major roof and siding damage. Many shallowly rooted trees will be snapped or uprooted and block numerous roads. Near-total power loss is expected with outages that could last from several days to weeks.
3 (major hurricane)111-129 mph
96-112 kt
178-208 km/h
Devastating damage will occur: Well-built framed homes may incur major damage or removal of roof decking and gable ends. Many trees will be snapped or uprooted, blocking numerous roads. Electricity and water will be unavailable for several days to weeks after the storm passes.
4 (major hurricane)130-156 mph
113-136 kt
209-251 km/h
Catastrophic damage will occur: Well-built framed homes can sustain severe damage with loss of most of the roof structure and/or some exterior walls. Most trees will be snapped or uprooted and power poles downed. Fallen trees and power poles will isolate residential areas. Power outages will last weeks to possibly months. Most of the area will be uninhabitable for weeks or months.
5 (major hurricane)157 mph or higher
137 kt or higher
252 km/h or higher
Catastrophic damage will occur: A high percentage of framed homes will be destroyed, with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Most of the area will be uninhabitable for weeks or months.
Excerpt from the National Hurricane Center and National Pacific Hurricane Center

Have you ever experienced a hurricane first-hand?

Hurricane Season: Why didn't they just leave? Image of a badly damaged in Metairie, LA
Image captured on my cell phone a few days after Hurricane Ida in Metairie, Louisiana.

When a hurricane makes landfall, you really do not know how much damage it will cause. Even a category 1 hurricane can do major damage– after all, it is still a hurricane. The sound of the winds gusting remind you of a freight train that happens to be in your living room. You hear the debris banging and crashing about outside. The rain alone can be catastrophic, causing extreme flooding. And let’s not even mention the possible tornadoes that can happen simultaneously.

In short, hurricanes are not fun. They are loud, destructive, and deadly. But if one had to choose a region to live based off of its typical natural disaster, I would stick with hurricanes. Unlike earthquakes or tsunamis, you may not have a lot of time, but you do have some warning that a hurricane is out there and that it is coming.

The choices are to stay home and shelter in place, or plan to leave and find somewhere to go. Both options cost money, but evacuations cost more. Think of planning for a vacation. Most people have to save money for trips months in advance, at the least. Alerts that a hurricane is headed in your direction is sent out maybe 3 days before it is expected to make landfall. How many people are able to just drop everything and spend “vacation” money each time a hurricane is announced?

Hurricane Season:  Why don't they just leave? Image of young boy with his head on his forehead.
Timmy captured by The Coleture Visual Art Studio after evacuating New Orleans for Hurricane Ida.

It’s hurricane season. You can’t leave for every named-storm.

Each year, multiple hurricanes form. There are several forecasts featuring various hurricane tracking models and their hypotheses. The reality is, no one knows exactly what direction a hurricane will travel. As a result, people cannot evacuate for every named storm. Aside from being unable to afford to leave, some may be too ill. (And let’s not forget the rapidly spreading and mutating Coronavirus adding to that stress). Naturally, some people have to work during hurricanes, while some will want to stay to protect their homes and businesses from looters, or maybe even address certain problems that arise during the storm.

For example, if a window breaks during a hurricane, you may be able to board the window up from inside your home. Conversely, if you are not home when something like that occurs, the damage will only worsen. And depending on the amount of time you are gone in the storm’s aftermath, you leave your home open to critters and criminals alike.

Personally, I rarely leave for hurricanes. There are a number of factors to consider when making the decision to flee or ride out the storm. In order for me to pack up and go, one factor I consider is what category the hurricane is expected to reach by landfall. A category 3 hurricane is not necessarily one I would leave for. Now, if we are talking about a category 4 or 5, I’m likely getting the [insert expletive of your choice] out of Dodge.

What items should I have when sheltering in place?

Abruptly, (or so it seems), the storm has entered the Gulf. You have officially run out of time. The decision is due and whatever you decide, you must stick with. For me, I always prepare as if I am staying. You need to do and have almost all the same things whether you choose to leave or stay. Home preparations are always at the top of my agenda.

First, I gather all of my important documents– most recent mortgage payment receipt, homeowner and flood insurance policies, birth certificates for the entire household, and, at this point, COVID-19 vaccination records for those of us who have them. Secondly, I scan and upload copies to the cloud or some place where I can easily access them remotely. I even take screenshots. (Renters: Be sure you are making copies of your lease, renter’s insurance, etc.). Then, I place the originals in resealable storage bags.

Next, I head outside and pick up all yard toys and/or patio furniture. (I am saying “I,” but truthfully, my husband typically takes care of this part. So I will just say we instead, since we are one). Some items we place in extremely large garbage bags. We stack the chairs and tables, and then we tie them down all together to a post on the house with rope.

Note: I also do laundry during this time to ensure I have as many clean items as possible.

Image of gas cans and generator on the back of a truck.

By this time, you should have already gassed up, but if you have not, head to the gas station. Even if you plan to stay, you still want to make sure you have a full tank of gas, in case you need to leave immediately following the storm. If you have gas cans, fill those up, too. Expect there to be long lines.

From there, plan your trip to the grocery store. You want to get canned foods and fruits that you can eat that do not require refrigeration. If you do choose to get some cold food items, purchase just enough that you can eat within a day or two. If the power goes out, you have to plan for that to be an extended period, which means you could be throwing away a lot of food. While you’re there, get some cash back. If the power is out, anything that you try to purchase after the storm will need to be paid for in cash.

As for beverages, have at least one case of bottled water per person, as a general rule of thumb. I would also consider grabbing some sports drinks with electrolytes, such as Gatorades or Powerades. Basically, prepare like you will be stuck at home with no electricity for a few days, at least.

A few things you should always remember, and in fact, keep them as staple items in your home.

After taking care of your food and beverage needs, the next thing on your agenda should be to tackle these other survival essentials. It is wise to regularly keep these items in your home. You will need batteries, flashlights, candles, matches, and lighters. Battery-operated fans could be useful, as well as bandages, scissors, and tape. A first aid kit could have some of those items already included, so make sure you have one handy. Purchasing a generator is a great investment. Please be sure to understand your responsibilities when using a generator, as improper use can be fatal. Check out this article for more tips on generator safety here.

I am evacuating. What should I take with me?

Patience and money. City leaders have warned you that this is your last chance to head out before you must stay inside. Having decided to leave, you are now faced with trying to figure out what you should actually take with you. Space will be limited as long as you are not traveling alone. My thoughts? Pack everything you purchased in preparation to stay. Minus the flashlights, candles, and fans, if you are staying away from home, you will still need clothes, medication, food items, etc. Even if you do not consume all your food/beverages while away, you want to be sure that you have some food items for your return home. Also, be sure to grab those most important valuables that will fit.

Hurricane Season:  Why didn't they just leave?
Costco in New Orleans on September 7, 2021, 9 days after Hurricane Ida hammered through Louisiana.

It’s hurricane season: why don’t they just leave?

It is unreasonable to think every single person currently in a city CAN evacuate for an approaching storm. The evacuation process itself is daunting. For instance, I left just ahead of Hurricane Ida. It took me 9.5 hours to reach Mobile, Alabama, which is traditionally a 2 hour drive. 9.5 HOURS! Not to mention I traveled with young children. It was almost torture!

Having to quickly leave your home and stay gone for an undetermined amount of time is already less than ideal. It’s great if you have family or friends who can take you in, but lots of people have to pay for hotels. And believe me, you are not paying discounted rates. For those who are fortunate enough to stay with others, you are now having to eat out multiple times everyday and/or buy meals and other items for that household, which add to your expenses. You cannot comfortably stay in someone’s home for an extended period and not pay for anything.

When it was safe enough for me to return home, I had so much anxiety about leaving because I could not withstand sitting on the interstate another 9+ hours for a 2 hour drive. That experience alone makes me not want to evacuate again. Adding to that stress is not knowing what you are going home to. And let’s not talk about all the times in the past where we evacuated for a storm and it either it fizzled out prior to the projected landfall or it went in a completely different direction. There are no insurance claims, reimbursements, or otherwise. Now, all the monies spent on evacuation, were for absolutely nothing.

What if there were an alternative option to staying home or evacuating? What if you could do a little of both?

In closing, what if local governments were to establish nice, clean, and safe public structures that served as storm shelters for residents? Richard Campanella brought up an array of valid points in his article, “To solve its hurricane evacuation dilemma, perhaps New Orleans should try this.” Creating government-funded “hurricane hotels” (I like the way that sounds because “shelter” tends to lean towards a more negative connotation) seems like it could be a future viable possibility. City infrastructures definitely need to be addressed, and I am looking forward to how the federal government’s plan will materialize.

What are your thoughts on hurricane evacuations? Should everyone try to leave all the time? What would you suggest? Leave a word in the comments.
Please feel free to download and share my personal hurricane preparedness list created.

Time to Travel

Officially Spring! Jillian captured by The Coleture Visual Art Studio
Jillian and Timmy are always ready to go.

Outside is open and I wasn’t really prepared

A baecation, solocation, familycation, any type of vacation, except a staycation is what I need. The thought of going somewhere just seems so whimsical! No matter what the requirements, mask mandates, no sandals, all plaid only, I am willing to abide by them. I can.not.take.this.anymore. It’s time to look at someone else’s four walls. Time to Travel.

Time to Travel
Photograph taken near El Morro in Old San Juan, Puerto Rico by The Coleture Visual Art Studio, April 2021

My husband and I had reached our breaking points! He has been blessed to not miss any work during the pandemic, but the downside to that is that he needed a break. Work came to a screeching halt at the start of the pandemic for me, but that soon changed… as I was first and foremost a virtual school teacher (still not exactly sure how that happened). We had been talking about going somewhere for a while. We glanced at a flight or two, but nothing ever came of it. After sending the kids to their grandparents for Spring Break, it was like the light bulb went off. As soon as they came back, we booked last minute flights to San Juan, made appointments to get our COVID-19 vaccinations, got tested a few days before takeoff, and packed our bags the night before. We were out.

Time to Travel:  Image of Condado Beach with the flag of Puerto Rico centered amongst rocks.
Photograph taken at Condado Beach, San Juan, Puerto Rico by The Coleture Visual Art Studio, April 2021

Visions of New Orleans-style Phase 1 flashed before my eyes 

Soon after landing, we learned just how serious Puerto Rico is about minimizing the continued spread of the Coronavirus.  10pm curfews.  Police at almost every corner reminding you to put on your mask.  Hotel security walking around doing mask checks.  Every single place you walked inside of requires temperature checks, while the lines are seriously socially distanced and long.

Time to Travel:  street art in the La Placita area of San Juan, Puerto Rico.
Photograph taken at La Placita San Juan, Puerto Rico by The Coleture Visual Art Studio, April 2021

I can understand it all, especially since so many people are not taking it seriously and have been instrumental in the continued spread of the virus, but my goodness, restaurants shutting down at 8pm, so the employees, too, can be home by 10pm?  I think these city officials believe COVID has operational hours. What’s the difference in 10am and 10pm? 

Time to Travel:  Partial water view and ruins near El Morro in San Juan, Puerto Rico.
Photograph taken near El Morro in Old San Juan, Puerto Rico by The Coleture Visual Art Studio, April 2021
Time to Travel:  A photograph of street art taken in San Juan, Puerto Rico by The Coleture Art Studio.
Photograph taken in La Placita, San Juan, Puerto Rico by The Coleture Visual Art Studio, April 2021

Had I just taken a moment to reach out to a travel agent, perhaps this information would have already been made known to me.  Perhaps, the hubs and I could have planned accordingly, by either choosing another destination, or simply being prepared for the early closures.  But we were a day late, a dollar short, and very hungry.

Tap in to those you know. 

Considering that I’m usually the person planning the trips in my family, and that can be time consuming, delegation sounds like perfection! I realized that I actually knew a travel agent who could successfully plan our trips, so I no longer had to.

A well-traveled concierge, Maria Hardin of Hardin Travels has been in the travel business for the past four years.  She is based out of Atlanta, Georgia, but like me, hails from Mobile, Alabama.  In fact, her grandparents were my next door neighbors growing up.  Fun fact:  Her grandmother was “the candy lady” of my neighborhood.  Mrs. Hardin had the BEST snacks! It’s crazy, but I can still remember how her house smelled… Oh, the good ol’ days.

Maria has experience with a number of specialties in travel, including planning couples trips, family vacations, and family reunions. Check her out for your future travel needs, and tell her I sent you.

Still, the trip to Puerto Rico was not a total loss.  We actually did maximize our time, and tried to do all that we could with what we had.  We ate well (when we ate), had amazing beverages, went sightseeing, and also got some really good shopping in, too… and as a bonus, I was able to make some possible business connections! 

Time to Travel:  Traveler carrying shopping bags.

Summer is officially here.  What are your travel plans?  Need some cool ideas, and maybe even an option to pay for your trip in installments, contact Maria Hardin.  Let her take the stress out of your planning. Drop a comment below and let us know where you’re headed.

At the time of this publishing. Mrs. Hardin has passed away. Sending peace, love, and understanding to all of her loved ones. May God heal your broken hearts.

So Your Offer Has Been Accepted. Now What?

A row of condos in Downtown New Orleans

You’ve been on the ground, searching for the property of your dreams for months and months. A million different times, you’ve changed your mind about what you want. You’ve driven yourself (and your real estate agent) crazy. All of a sudden, there is silence amongst the noise. You’ve found your perfect space. This is it! You have your agent write an offer. It’s accepted. She says to you, Congratulations! You’re officially under contract. Meanwhile, you’re thinking: Now What?

"So Your Offer Has Been Accepted.  Now What?" -a look of confusion while wondering what's next

Purchasing your first piece of real estate is an endorphin you may chase for some time. It’s like a toddler taking his first steps. The pride of it all! At first, your excitement is almost uncontainable. But like a storm in the night, comes the flurry of emotions. Fear, confusion, the what ifs, and what do I do next thoughts can become invasive. Take a deep breath. The homebuying process is a process. I think people tend to forget that.

Background Noise

In the background, your agent will be working. There are lots of moving parts to real estate transactions. She will be scheduling your inspection(s), coordinating the communication between all parties, including the lender and title company. You will have documents to sign and things to pay for.

And if you are financing this deal, that means there are several people party to the ability to close on time. The loan officer and the underwriter, the appraiser, the title company, the inspector, the responses from inspection– the list could go on. So let’s start from the top. Now that your offer has been accepted, here’s what comes next.

Contact your lender.

One of the first things you will do is send your lender a copy of the accepted offer, also known as the Executed Purchase Agreement. Now the lender knows you are officially ready to move forward with the loan process. Make sure that you have all documentation required of you. You want to be in the position where the lender is not waiting for you to do anything on your end.

Cut the check!

Remit your deposit payment to whomever will be holding the deposit. Oftentimes, it is the title company, but can also be one of the real estate brokerages involved in the transaction. Personally, I recommend that buyers have the title company, which serves as a third party, to hold the monies.

Get insurance quotes.

Start calling insurance companies to get quotes. If you’re in Louisiana, those calls should be made to both homeowner and flood insurance companies. Homeowner’s insurance pricing is going to rely on a number of factors, such as your property’s location. And don’t forget, pets cost money. Some policies do not allow certain animals, including specific breeds of dogs. And just in case you were wondering, there are a couple of things you can do to potentially lower the cost of your homeowner’s insurance, including installing a security alarm system and/or a fence.

Inspection/Due Diligence Period

While your agent will have scheduled the inspection, you will likely have to pay for it just after it has been scheduled or when the inspector arrives on site. Your agent is normally present for the inspection. Sometimes both the listing and selling (buyer’s) agents are there. Because the inspection can take a minimum of two hours, I tend to recommend the buyer not come, until towards the end, if the buyer chooses to come at all.

At the end of the inspection, the inspector will go over everything with your agent and discuss the most meaningful of his findings. From there, he will send you and your agent the report. In Louisiana, you are allowed 72 hours from receipt of the report to respond to the seller of the property with your decision. If you are satisfied with things as they are, then you simply sign off that you are ready to proceed with the Act of Sale, or closing. On the other hand, should you find that you are not content with the results of the inspection, your response can be handled in a number of ways.

One option is to ask the seller to address whatever issues you have with the property. You could also ask for a reduction in the sales price. Or, you can ask for cash at closing. If the amount of work is too much of a concern for you, you are able to cancel the deal, and get your deposit back without penalty.

Home Stretch

Assuming you are moving forward, you are now waiting on a few things. One, the results of the appraisal report– which has the power to kill a real estate deal. If the property appraises for more than what you are under contract for, then the transaction can proceed without cause. Contrarily, if the property appraises for less than what you are under contract for, your lender will rescind the pre-approved loan amount. At that point, you will have to either come up with more money to make the difference, renegotiate the price down with the seller, or the deal will be cancelled due to your inability to obtain financing.

Two, the title clearance. The goal is for the title to be free and clear. The title company will hopefully address any potential issues early on, such as a lien against the property or some far away heir that needs to sign off on the sale.

And finally, you are waiting on your lender to utter those magical words: you have been cleared to close. In other words, your loan has been underwritten and come back approved for funding. This information is then provided to the title company, and the title company schedules the closing date.

The Act of Sale.

Closing day has finally arrived. One thing I will say is, a real estate deal is not a deal until (and unless) it closes. Be prepared by readying all monies due. You should have wired your payment, or have your check in-hand to submit to the title office. At the closing table, you will present your ID, your money, and sign a bunch of papers. Sometimes, you may learn that some money is given back to you at closing, so the title company could possibly cut you a check! Sometimes. Don’t get too excited. Anyway, if you have successfully made it to this point, then Congratulations! You are officially a homeowner.

A Note: Do not make any large or excessive purchases, while you are in the process of buying property. Do not, do not, do not. If you need to make any large purchases, or take on any large debts, do it at the time the deal has closed. Not a moment sooner.

The Etiquette No One Taught You

An old photo of me, showing you what etiquette looks like from the back. Photo credit: Debut Photography

Three things your mother should have told you about.

Sometimes, tough love is exactly what you need. Sometimes, it takes a friend (or a stranger) to tell you what your parents should have taught you. Sometimes, someone just has to say the thing you’re not supposed to say. Well, today is your lucky day! I’m the friend that’s going to tell you what your mother (and/or father) didn’t. Yes. I do have time today. The Etiquette No One Taught You:

Kids Birthday Parties

If a parent is throwing a birthday party for their kid at any facility not their home, they are probably paying a per capita fee. That means, unless you have specifically cleared it with the birthday kid’s parents, do not bring extra people. Please read this next line carefully.

Multiple children from the same household still means multiple gifts for the birthday kid.

The birthday kid may be friends with one of your children. That does not give you the right to bring all of your kids to the party. Why should the birthday parents have to foot the bill for all of your children at their child’s celebration?

In the event that you do bring all of your children, then all of your kids should have separate gifts to give. Or, your gift should be a nicer, more expensive gift.

And I don’t want to hear that the birthday parents say that it is okay to bring your other children. From experience, you know it costs money to feed and gift each and every child. It is still very impolite for you to take advantage of their kindness by showing up with all of your kids and one cheap present.

Baby Showers/Sprinkles

Countless times, people ask for things that they themselves wouldn’t do for others. This is bad behavior. If someone you know recently had a baby, and you gifted their baby nothing, you should not feel comfortable asking for a gift from them. Whether they had a baby shower or not, they are still birthing a baby. Why have your hand out to receive, when you gifted nothing? Not okay.

Wedding/Marriage

You get married and have a grandiose wedding, with your guests spending thousands to participate and celebrate you. Soon after, one of your guests gets married in a courthouse ceremony and maybe doesn’t invite you at all. Guess what? You still owe them a grandiose gift.

The moral of the story is: Treat people the way you want to be treated. And if people have treated you a certain way, return the favor unapologetically.

We often talk about showing people how to treat us in relationships, but that doesn’t just apply to romantic partners. Some people are users and some simply don’t know any better. Someone has to let the people know. I know it seems unfair to have to raise someone else’s grown children, but sometimes, you have to educate for the greater good. If for nothing else, just #doitfortheColeture. Finally, you have been enlightened. The Etiquette No One Taught You.