An accidental grease fire in the former courthouse and First National Bank in Cadiz, OH on May 6, 2011 left a historical building in ruins, four tenants homeless and a store out of business. Today, owners Tom and Vicki Cole report that they want to restore the building in spite of the fire damage.

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The Associate Press reports that the last month of twisters has already made 2011 the deadliest year regarding tornadoes in over five decades. What may be even more disturbing is that the tornado-affected areas have the highest rate of homes without homeowner’s insurance. Consequently, some of the families who need the most insurance-related assistance do not have it and will have a harder time recouping their losses. While the federal government is able to offer some assistance, the law limits the amount of assistance it can provide to $30,300 per household.

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In response to the recent tornadoes and floods, the U.S. Small Business Administration (SBA) is offering U.S. Department of Treasury disaster loans to small business owners affected by the natural disasters. Financial assistance is available to those who are located in an area President Obama has issued a natural disaster declaration.

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If you own a business, you know the importance of preparedness. You prepare for client meetings, taxes, presentations and so on. One of the hardest things to prepare for, however, is a disaster. It is easy to put disaster preparedness at the back of your mind, especially if a disaster is not happening presently. According to a survey the Red Cross conducted in 2009, 89 percent of those surveyed felt it is necessary to be prepared for a disaster, but only 12 percent had an emergency disaster plan in place. Just as your prepare a budget and ways to save money, preparing for a disaster can save your business thousands of dollars and assist with business continuity.

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