Risk Culture vs. Risk Management
There is a mind set change going on in the disaster recovery world and one that I think is both excellent and applicable to individuals. The move is away from Risk Management and toward Risk Culture.
I won'd bother you with the technical definitions but will provide you an analogy to demonstrate the difference.
Risk Management: Your son or daughter comes home from school and finds a broken pipe. Water is spewing everywhere. They call you on the phone and say, "Dad! I just walked in and there's water everywhere. The basement is flooding!" To which you say something like, "OMG! shut the water off! I'm on the way home."
Risk Culture: Your son or daughter comes home from school and finds a broken pipe. Water is spewing everywhere. They call you on the phone and say, "Dad! I just walked in and there's water everywhere. I shut the water off and called ABC plumbing. The sump pump is pumping the water out of the basement and as soon as the water goes down I'll use the shop vac to suck it out of the carpet". Or something like that.
Risk Culture engages everyone and empowers them to look for and seek out dangers to your plan.
It empowers them to make decisions to mitigate the damage. Perhaps you would rather not have had ABC plumbing called but you have to congratulate your son for having the decisiveness to act in a positive manner. Hopefully, your plan covers what to do in this scenario but the point is if it does not and someone acts in the best interest of the family then you congratulate them for their action.
Risk Culture has the agility to operate on the fly. Does your son know he can act or must he wait for you to get home to turn off the water? Can he borrow a couple of floor fans from your neighbor to help dry the basement? Can your wife start pulling items from the basement to begin drying things out or does everyone wait until you get home?
Rick Culture employs collaboration. Everyone in the family participates in the design of disaster plans as well as their testing and implementation. Every idea from anyone is open for discussion and examination.
If something bad happens can anyone in the family wade into the deep end of the pool to start putting things back together or is that your job and yours alone? If it's yours then you live Risk Management.
I think Risk Culture engages everyone in a positive way and is a great way for us to look at how our families should react if something bad happens.