It was a dark and stormy night. That may be a hackneyed old joke, but it's a perfect description of the night a major storm hit our home and I had to put the lessons I learned from covering risk management to the test.

We live in a tree-filled suburb north of New York City. The forecast was for severe thunderstorms–with tornado warnings. At 4:00 p.m., my husband called to tell me a ferocious storm had hit, with very high winds, and the area was littered with fallen trees. Oh, and our electricity was off.

OUR ELECTRICITY WAS OFF!?!

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