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Your Home – Tips on Preparing for Natural Disasters

– Posted in: Everything Home, Home Insurance

Natural disasters seem to be increasing in recent years and the devastation is horrific. Homes and lives are being destroyed all over the world and the need for help is at an all time high. What most people don’t understand is that we all are at risk to some degree. Natural disasters can happen to any of us at any time. Whether it is a tornado, hurricane, wildfire or raging storm, natural disasters happen everywhere. How do we prepare for such devastation?

Certainly no plan is perfect, but here are some tips:

Your Home- Tips on Preparing for Natural Disasters


Protect your home with a comprehensive insurance policy

 People rarely realize they are not sufficiently protected until they get hit with a natural disaster. Insurance is vital to protect your lifelong investment, and having the right policy is just as important. Most policies don’t include flood insurance at all so you might need to add that on if you live in an area known for it. Also, some policies simply cover the value of your item and not the cost to replace it. This makes a huge difference if you have something that costs much more to replace than what they might value it at.


Know your location and needs…then make upgrades 

If you live at the coast and have a home that has little to no wind protection, you are going to run into problems eventually. Go ahead and shore those areas up. Every area of the planet has potential problems and your home should reflect that. Consider the most likely scenarios and build your home to withstand it. This changes from place to place.


Have an escape plan

 No belonging is worth losing your life over, so make sure you have a way out when you see these situations looming. Know your escape route, what you would do if there is no time to escape and how to best protect your family. Emergency plans and running the scenarios every so often can give your family a huge advantage in an emergency.


Have a disaster kit put away

 Food, first aid and water are going to be at a premium if you get caught in a natural disaster. Store away foods that won’t spoil and sock back plenty of water in case of emergency. Also make sure you have plenty of medical supplies and warmth related items. Matches and lighters are especially helpful in an emergency. Flashlights and batteries are a good idea as well.


Make Backup Documents

 Important papers are often lost in the midst of a natural disaster. Make backups of these and store them in a safe area. Safe deposit boxes at the bank work quite well as well as electronic copies on your computer.

It is always good to invest some time thinking about ways to face an emergency situation and how to handle it well with the resources at your disposal. Home Insurance goes a long way in indemnifying you for the losses suffered. But you need to be prepared for what your Insurance Company will require from you to help you pull through a loss event. If you need more information on this topic, feel free to use the comment section or seek out your Insurance Agent.


6 Comments… add one
Terry December 1, 2013, 11:21 am

The way things have been going lately, I think this is a super great idea and all your tips are great.

katherine December 2, 2013, 5:47 am

All of these tips are amazing. I’m going to print this out and keep it in the house.

vanita December 2, 2013, 10:38 am

since we don’t own a house i never think about these things but making backup documents is brilliant!

Elaine Schoch December 2, 2013, 12:14 pm

Crazy that people have to do this but we did every summer when we lived in the foothills and dealt with fire evacuations.

Cher December 2, 2013, 8:26 pm

I know so many people in the area where I live that do not have homeowner’s insurance… I wouldn’t be without it – I have too many tools to lose!!

Vidya Sury December 2, 2013, 11:52 pm

Gosh, I must make a list now. Thanks Vinma!

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