Are You Prepared for Mother Nature? - By: Molly Wider

Regardless of where you live, Mother Nature can pack a punch when it comes to making her rounds. Whether it's winter snowstorms or spring floods, wind and rain can do a lot of damage to a prepared home, and even more damage to an unprepared one. Every year homeowners are burdened with hail, forest fires, hurricanes, lightening strikes, earthquakes and tsunamis. Natural disasters have always been a seasonal concern so ensuring you are prepared for whatever she has up her sleeve is important.

The best way to safeguard yourself and your home against disasters is to be proactive. There isn't anything you can do to prevent such natural occurrences, but there are many things you can do to make life easier during those times. One thing you can do is to prepare an emergency kit; a small and compact package of things that you will need to bring with you in the event your family is evacuated from the home on short notice. A small backpack that can quickly be accessed and picked up should be sufficient. Inside, you may want to consider placing copies of your home insurance, long-term medical prescriptions and health records as well as any additional important documents like birth certificates. You should also place enough money inside to get your family through a few days, possibly even at a hotel.

It is extremely important to make sure you are properly insured. It does not provide any relief to find out you are underinsured only after disaster has struck and you go to file a claim. Most home insurance is limited to circumstances such as fires, and most often do not extend to natural disasters. If your policy is one of limited liability, then it may be a good idea to make sure you have full replacement coverage. This coverage will cover the cost of replacing your home or other insured buildings. It's important to read the fine print and remember that flood and earthquake insurance as sold as separate policies.

Keeping a detailed list of your contents and taking dated photographs will also help ease the insurance nightmare in the event you have to make a claim. Don't forget to include the serial numbers of all electronic items. You may want to also consider doing a few home upgrades such as moving your electrical wiring into the attic to minimize natural disaster damage as well as adding hurricane shutters (depending on where you live).

Being unprepared for Mother Nature is the first step to making a natural disaster worse. Weigh the cost of being prepared versus the cost of the aftermath of such an event and you may find the preparations are most cost effective than you thought.

About the Author

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