Natural disasters like floods, earthquakes and wildfires can be unpredictable. They happen when you least expect, so it’s wise to ensure that your home is protected. Home insurance for natural disasters is one of the best ways to ensure that you get compensation in case of damage. Depending on the nature of the disaster, your home could suffer extensive damages. The following tips may help you keep your home safe.
Get Homeowners Insurance
Homeowners insurance protects you from financial obligations when your home is damaged due to natural disasters. It is important to note that your home insurance may not cover the entire cost of damage. It may help you pay for damage due to specific disasters and the compensation may be for only part of the damage. Even though home insurance natural disaster is important you should not use as the primary way of protection. Consider saving some money to help you with repairs if need be. It is wise to get different coverage for the different disasters that are common in your state.
Prepare for Hurricanes
Hurricanes can cause a lot of damage to your home if they hit before you are ready. You can prepare for them by installing hurricane shutters. Reinforce the frame of your home using hurricane straps. Do not attempt to install them on your own. Get the help of a professional contractor in your area.
Ensure that all the windows in your home are secured. Broken or cracked windows can let in rainwater and wind. If your windows are broken, fix them properly and do not attempt to use masking tape as it does not really do anything. If your doors do not have a reliable locking mechanism, they are likely to fly open at the slightest provocation.
Protect Against Wildfires
Wildfires could be caused by negligence, lava, or lightning. They can destroy the structures of your home completely. You can protect your home from damage by wildfires by getting rid of all dead foliage or trees around it. Dried leaves could easily catch fire. If they are within 30 feet of your home, your home is likely to catch fire. Install mesh screening under your decks and porches. Proof your roof to ensure that when nearby wildfires land on your roof, your home does not catch fire.
A flame resistant roof is a great choice if you want to protect your home. If you do not want to go through the process of reroofing, consider installing a rooftop sprinkler system. In case of fires, ensure that the embers do not get into your home. Your home has plenty of flammable material such as carpets and furniture. If the embers, it is easy for your home to burn down.
Protect From Hail
Hail often causes damages to your windows, doors, and siding of your home. Get hail insurance to ensure that you receive compensation in case your home is damaged. Protect your home from hail damage by installing shutters on your doors and windows. If you live in a hail-prone area, consider installing an impact-resistant roof. You can protect your landscaping by using DIY covers made with tarps and stakes. Consider using potted plants under your lawn furniture.
In case your home is damaged, get repairs done as soon as you can. Contact your insurance company as soon as possible and keep all records of your temporary repairs.