Natural Disasters – Homeowners Insurance Tips and News Fri, 28 Jun 2013 15:01:02 +0000 en-US hourly 1 Is Mother Nature Turning on Us: A Look at Recent Natural Disasters Mon, 30 Apr 2012 20:46:46 +0000 There are many people who believe that the world will soon be coming to an end and that all of the natural disasters that have been occurring are among the first signs. Whether you believe this idea or not is up to you; however, it is hard to deny the fact that Mother Nature seems to be a little mad lately. It seems that every day when we turn on the news we are listening to a new report of hundreds to thousands of people losing everything they love in a disaster. Maybe we can all learn from these stories and prepare ourselves better in the future.


Tornadoes in the States

Though we can all agree that there have been a lot of natural disasters across the United States, one main problem that has been hitting hard recently are tornadoes. It seems that nobody is safe anymore and the Midwest and some southern states are among the most recent victims. In early March a series of deadly tornadoes ripped through 10 states. It is estimated that 32 people were killed throughout the storms in Mississippi, Tennessee, Illinois, Georgia, North Carolina, and Virginia. This storm is one of the country’s largest ever recorded to date. The storms brought about more than 95 reported tornadoes and hundreds of reports of severe weather. The good news in this storm is that weather officials were able to get warnings out in time for people to hunker down.


Earthquake In Japan

Everyone probably remembers the images of the tsunami that hit Japan over a year ago. The destruction that was left from the earthquake and following tsunami was absolutely devastating. If you turned on your TV in early March, then you probably thought that you were hearing flashbacks about that devastation. Unfortunately, what we were really seeing was information about a series of earthquakes that had just hit the country. After their experience the year before, emergency orders were immediately in effect. Thanks to the emergency orders, there were no deaths reported and no damage to the nuclear plants that were harmed the year before. Luckily the country was able to return to normal. After the quakes, the country got together to mourn the deaths of more than 19,000 people who died from the quake and tsunami the year before.


Mudslides in Haiti

For most people, rain is a good thing, but what happens when there is too much? Residents of Haiti recently found that too much rain can lead to mudslides and floods. If you remember, Haiti was hit with one of the most devastating earthquakes in history about two years ago. Now as they continue to rebuild, more devastation has hit the country again. The storms also brought lots of trouble to Hispaniola and the Dominican Republic. The storms come at a hard time for Haitian residents, as more than 500,000 people are still without homes after the earthquake. In the region it is estimated that the storms have caused the deaths of nine people and caused thousands to flee their homes.


Wind Storm in Turkey

When you think of a wind storm, what comes to mind? It is easy for us to picture items blowing over or lots of debris flying in the air. Recently, a freak windstorm hit Turkey and it is reported that winds reached speeds of 62 mph. Authorities were able to close bridges and flights to ensure safety. It is estimated that five people died in the storm and that more than 300 buildings were damaged. However, one of the strangest stories is about a yacht catching fire because of the wind. As the boat was sailing, it got caught in the storm and the wind blew flames onto the boat. Luckily 10 people were rescued from the vessel.


Floods in Saudi Arabia

What do you do if storms in your area have caused massive flooding and it is estimated that the force of the flood may be as heavy as 20 tons? You should probably stay away, and that is exactly what residents of Saudi Arabia recently had to do. Massive storms hit the area and caused heavy flooding throughout the country. It is estimated that more than 18 people have been killed in the floods, and until the storm dies down, there will be no rescue options that are allowed to take place for safety reasons.

If there is any lesson to be learned here, it is that you cannot run from Mother Nature. It is always important when you live in storm areas to take extra precautions and listen to any emergency information that is provided to you. These things can happen anywhere on Earth and all we can do is prepare.

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40 Posts Discussing How to Recover After Being Victim of Natural Disaster Wed, 03 Nov 2010 11:26:36 +0000

The key to surviving a natural disaster is greatly dependent on preplanning before the disaster strikes.  What happens when you realize that you’ve just survived a natural disaster?  Recovery can often be as devastating as the disaster itself. Good homeowners insurance will help you take care of damage to your home, but there are still many other obstacles to deal with, especially the emotional trauma that can occur from dealing with a disaster of any type.

  1. Disaster Information Center (preparedness, recovery) –
    Being prepared for a disaster is the best way to minimize losses and recovery time.
  2. Tips on What to Do After Surviving a Natural Disaster
    Since September 11, 2001, much has changed in our world, nation, state and community. We have become much more aware of the devastation that can be caused by unexpected disasters—whether they are caused by nature, by accident or by terrorist attacks.
  3. Surviving A Natural Disaster
    Natural disasters can happen anywhere, and they often come out of the blue. But proactive preparedness and a clearheaded response will help mitigate the negative effects.
  4. How To Survive the Next Disaster
    When a large disaster (terrorist attack, earthquake, tornado, etc.) strikes, many of the necessities of life are suddenly gone – instantly gone.
  5. What to Do After a NATURAL DISASTER – Brief Article
    The following advice from the Institute of Certified Financial Planners, Denver, Colo., can help you minimize the financial impact of future disasters:
  6. Helping Children After a Natural Disaster: Information for Parents and Teachers
    Natural disasters can be especially traumatic for children and youth. Experiencing a dangerous or violent disaster is frightening even for adults, and the devastation to the familiar can be long lasting and distressing.
  7. How can I Help in a Natural Disaster?
    Many people want to offer help in a natural disaster, whether by donating money, transporting supplies, giving blood, or volunteering to go into affected areas and offer physical assistance. Unfortunately, there are times when well-meaning people get in the way more than they help in a natural disaster.
  8. Natural Disaster Preparations
    Emergencies and disasters can occur anytime, anywhere. Some are primarily seasonal and allow for certain preparations; others occur swiftly and without warning.
  9. Prevent Illness After a Disaster
    Fact Sheet from CDC Emergency Preparedness and Response
  10. How To Recover From A Natural Disaster
    Natural disaster is a great leveler. It spares nobody and that includes businesses, both small and big.
  11. Can Your Family Survive a Natural Disaster?
    No one thinks it will happen to them, but if it happens to you and your family, do you know how to survive?
  12. Diabetic Tips For Surviving a Natural Disaster
    When natural disasters hit, the threat of being cut off from society and therefore medical supplies is a frightening thought.
  13. Natural Disasters and Catastrophes
    Natural disasters cause widespread damage and create a large volume of insurance claims for damage to homes, businesses, cars and other property.
  14. In the Path of a Hurricane: Surviving Mother Nature’s Wrath
    Although it’s almost impossible to predict the damage from a natural disaster, planning helps counter the aftermath, experts say.
  15. LDS Emergency Preparedness: Natural Disasters
    You could use these links to make handouts for classes, find tips for a Emergency Preparedness corner of a Relief Society Newsletter, collect several for a ward preparedness binder, or print them out for your files.
  16. Survive and Thrive after a Natural Disaster
    Natural disasters, like so many things in life, are unpredictable — yet the grief that may result often follows a pattern, says Kristi Cooper, Iowa State University Extension family life field specialist.
  17. How to Survive Natural Disasters
    If there was a natural disaster in my home, would I know what to do? Would I have all of the necessary supplies to ride it out until help arrived?
  18. How To: Survive A Natural Disaster
    Natural disasters will occur on occasion, so I’m here to help you protect your home. True, sometimes you can’t predict or stop nature’s deadly course, but there are measures you can take to protect your home and yourself.
  19. How to Survive a Natural Disasater
    Surviving a natural disaster involves more than just getting through the event. The most important thing is to be prepared to survive the aftermath of the catastrophe.
  20. How to Survive Natural Disasters
    I have compiled some basic information on what to do when severe weather or forces of nature are heading your way. Check it out.
  21. How to Survive Natural Disasters, Hurricanes, Earthquakes, Floods and Etc
    There’s hardly a home in the world that truly safe from some type of disaster. But good news, commonsense precautions go a long way in avoiding loss of property and life. I really hope that this article will help us get prepared!
  22. After a Natural Disaster: Coping with Loss
    Understanding the stages of grief, giving into them, and going through them, is key to getting past the disaster and into a fulfilling future.
  23. Extra Emergency Survival Kit Necessities
    How to survive a natural disaster with a camping vacation mindset.  Anyone who has ever been evacuated from, or isolated in, the family home because of a natural disaster, can attest to just how difficult it can be. But there are ways to alleviate some of the troubling aspects of the experience.
  24. Natural Disaster Survival Guide & After Disaster Tips
    It is essential that you get back on your feet and up and running as quickly as possible, so you can get money flowing into your small business.
  25. How to Recover From a Natural Disaster
    The winds have died down, the rain or snow has ended and the earth has stopped shaking. You look around at the mess around you and you think: now what?
  26. How do I Recover Communications After a Natural Disaster?
    Natural disasters can rob businesses of productivity and profits, if not prepared for in advance.
  27. Important Guidelines to Recover from a Natural Disaster
    Going through a natural disaster is an experience that no one should face. Unfortunately, Mother Nature has her own plans and all we can do is learn how to recuperate from a catastrophic event like this.
  28. After disaster strikes, how businesses recover.
    The unimaginable has occurred. Your business has been destroyed or heavily damaged. The disaster could be natural or technological: fire, flood, hurricane, tornado, a power outage, e-mail virus, equipment failure or data loss.
  29. How To Survive a Natural Disaster
    To protect ourselves from natural disaster, we should be equipped with adequate information regarding safety tips, precaution tips, methods to combat, emergency kits to survive, tips to protect your self and your family members, etc.
  30. Life and Credit – Recovering from Natural Disasters
    No matter how well you plan and manage your finances, a natural disaster can take you off track at a moment’s notice.
  31. Surviving Natural Disasters
    Survival in an outdoor environment will be precarious and a test of your resilience and character at the best of times.
  32. 49 Articles About Weather Proofing Your Home Against Disaster
    Weatherizing a home is an important step in attempting to prevent damage done by a natural disaster.
  33. EPA: Natural Events and Disasters
    Every year natural disasters, such as hurricanes, floods, fires, earthquakes, and tornadoes, challenge agricultural production.
  34. Recovery Tips For Hurricane-Battered Homeowners
    If you were in the path of a hurricane, the damage that the winds and water left behind can seem impossible to fix. Getting back to normal will take some time and effort, but there are plenty of people around to help.
  35. How to Survive a Famine
    Severe Weather, Natural Disaster, and Nuclear Attack can Bring on Mass Starvation – Be Prepared
    Welcome to the Common Sense Survival Guides home page. This site is created by Albert Sindlinger. We are a site that makes survival and preparedness information available to the people.
  37. Family Home Security: Natural Disasters
    How to Make a Disaster Recovery Plan With Your Family. When an emergency occurs, it’s natural to feel scared, disoriented and panicked.
  38. American Red Cross Preparedness Fast Facts
    Get the facts you need — before, during, and after a disaster or emergency situation. As the nation’s preeminent preparedness and safety training organization, the American Red Cross developed the following emergency-specific checklists using the latest research, science, best practices and expert opinion.
  39. Surviving a Natural Disaster
    When natural disasters happen (or acts of God), they usually happen when we expect them the least.
  40. The Survivors Club Guide to Financially Surviving a Natural Disaster
    Learn How to Financially Prepare for a Natural Disaster with These Tips from The Survivors Club.

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Know What Your Homeowner’s Insurance Covers Fri, 18 Jun 2010 19:26:19 +0000 Homeowner’s insurance is not a cookie-cutter, one-size-fits-all kind of product. As homeowners, we face vastly differing insurance needs. Some of the factors we need to consider when asking how much, and what types of coverage we need include where we live, how much our house is worth, how much we owe on the house, and what level of risk we are comfortable assuming.

Here are some areas that might not be covered on your policy:

  1. One issue every homeowner should look into is whether or not our policies contain a provision for flood damage. A surprising number of home insurance policies do not cover flood damage. While this is especially important in areas that are prone to hurricanes and tropical storms, flooding can and does occur in most parts of the United States from time to time. We need to be careful about skipping this important part of our homeowner’s insurance.
  2. Wind damage is covered by most homeowner’s policies, but you should check with your agent to make sure. In addition, if your home does take damage from a tornado or other wind storm, wait to have it fixed until the insurance adjuster has had a chance to come out and assess the damage. While most policies will cover the damage, if there is no proof of damage, you could lose out and have to pay for the repairs out of pocket. Check with your agent for your insurer’s exact policies on this.
  3. Recent natural and man-made disasters have raised some interesting questions concerning who is liable for what damages. Although the lines are not clearly drawn yet, it would appear that damages to the structure of our homes caused by flooding and any contaminants the floodwaters contain would be covered by flood insurance. Homeowner’s insurance would not necessarily cover these things. Again, we need to check with our agents to be sure.

The time to have a talk with our insurance agents is now. After a disaster strikes, it may be too late. All too often, people buy coverage for their homes based on what their lenders demand instead of what coverage they really need. Go over your coverage and make sure you are thoroughly protected for what disasters may come to your area.

Photo via xamad

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Creeping Mold, Nuclear War and Pyromaniac Teens Thu, 14 Jan 2010 16:29:52 +0000 nuclearpowerYou probably know by now that your homeowners insurance doesn’t cover everything. You heard about all of the controversy after Hurricane Katrina, for example, of insurance companies who wouldn’t cover folks that didn’t have hurricane insurance. You’ve read right here about all of the problems that homeowners in Florida have had with Chinese drywall that’s apparently frying all of their electronics and creating a real nightmare. The fact is that homeowners insurance policies have exceptions, and you need to know what yours are.

Here are some of the most common exceptions you’ll find in homeowners insurance policies:

Mold or water damage. The trend right now is for insurers not only to have an exception for flooding, but for any type of water damage. If a pipe bursts, you may just be out of luck. If there’s mold involved that raises the cost of your repairs significantly, too. Over 30 states now let insurers cap the amount of coverage for mold or even exclude it from the policy altogether.

Nuclear accidents, terrorism and war. If you live in a rural town in Iowa, you’re probably not too concerned about an invading army. However, you might be in danger of your home being irradiated by a nuclear power plant. Many of these kinds of disasters, caused by other people, aren’t covered. While nuclear accidents and war have been excluded from the list for a long time, terrorism is a fairly recent addition. Many insurers are now excluding terrorism coverage from homeowners insurance, and many are also banning it from commercial insurance.

Natural disasters. It really depends on the kind of natural disaster you’re looking at. If your home is in the city and destroyed by a wildfire, you are probably covered. If you have a log cabin in the woods that’s blown down during a hurricane, you probably aren’t covered. The more likely a disaster is to occur in your area, the more resistant an insurer will be to covering that disaster.

Intentional damage. If your ex burns your house to the ground, you may be covered. If your teenage son does it, you might not be. When one of the insured persons or a person living in the house intentionally damages it, the damage usually is not covered. This even applies to property damaged by an estranged spouse.

To protect yourself in the event of these kinds of disasters, check your homeowners insurance policy to know for certain what is and what is not excluded.

Photo via Rahm Emanuael

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Californians Clamor for Earthquake Insurance Mon, 02 Nov 2009 16:56:54 +0000 Earthquake

Some types of homeowners insurance just don’t seem to be very popular. Whether it’s because consumers aren’t necessarily educated about what exactly their homeowners insurance policy does and doesn’t cover or whether they’re just willing to take the risk that they’ll avoid certain types of disasters, insurance like flood insurance and earthquake insurance can be a hard sell.

Still, today, there seems to be a renewed interest in earthquake insurance, at least in earthquake-prone California. A recent study by the U.S. Geological Survey suggests that the San Francisco Bay area has about a two thirds chance of having an earthquake with a magnitude 6.7 or even higher in the next three decades. If you expand the area to consider the entire state, that risk moves up to a near-guaranteed rate of 99 percent.

Yet, a surprisingly small number of California residents currently have homeowners insurance that covers earthquakes. Just over 12 percent of California homeowners have earthquake insurance, and the percentages for renters in California are even significantly lower than that.

Why is it that so few people want to protect their homes from what seems to be an inevitable circumstance? Many people, unfortunately, operate under the delusion that their homeowners insurance policy will pay for their home to be rebuilt after an earthquake. They fail to notice that their homeowners insurance policy specifically excludes incidents due to earthquakes. They just aren’t aware of the risks.

In other cases, homeowners may not be willing to pay the additional costs for earthquake insurance. Earthquake insurance is on top of your regular homeowners insurance. Rates for this type of insurance can be high, and the deductibles on some earthquake insurance policies can be quite high, as well. Even some homeowners who have been through earthquakes are resistant to shelling out premiums.

Premium costs for earthquake insurance can be based on a number of factors. The relative proximity to a fault line is one element the insurance company will look at. They’ll also take into account the type of home, how old it is, and what its underlying insured value is.

Once you’ve assessed your home’s risk for earthquakes, you can get a comparison of rates from different earthquake insurance providers. Some companies don’t provide earthquake insurance in high risk areas, although the system is currently set up such that all homeowners have access to a policy of some sort, regardless of where they live.

In 2009, the average cost of an earthquake insurance policy was around $700. Cost, of course, is only one factor in making the decision about whether to get earthquake insurance and what type of policy to get. Being able to recover financially after an earthquake is important, and it can be worth a little bit extra in your insurance bill to have that peace of mind.

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