Going out to the grocery store to stock up on milk and other essentials before a storm is not a complete disaster preparedness plan. Homeowners have a great burden of responsibility to ensure the home is safe as possible for its occupants during those times Mother Nature decides to wreak a little havoc.

Protecting The Outside as Well as the Inside

We tend to focus on the shelter itself when making preparations to survive weather-related and other disasters. Depending on where the home is located, it may be subject to one or more common disaster threats. Those who live in tornado areas often have subterranean shelters to escape the wind and debris. Coastal dwellers are used to boarding up windows and doors and evacuating inland.

However, there is also the concern of preventing liability issues at your home that result from what is outside. Tall trees can fall onto a neighbor’s home. Unsecured items left outside can become airborne in high winds and cause serious damage. An above ground pool that collapses during a storm and floods a neighbor’s garage or basement is also a liability.

Take a good look around the property outside and consider what could become a hazard leading to a liability claim if disaster strikes. It is not necessary to get rid of things such as a pool. Just be sure to be appropriately insured to cover risks unique to your situation. Think of things as if a neighbor had them, and they ended up being the cause of damage to your home during a disaster.

Proper Planning Includes Insurance

Those that are prepared are ready to get through serious situations that can occur anywhere. Those who live in earthquake prone areas prepare for them just as coastal dwellers prepare for the inevitable hurricane. However, the best disaster plans are made to protect lives and not structures. Rebuilding after a disaster needs to be financed, and the lifeline there is adequate insurance for specific risks unique to the home.

Home insurance protects you. When a family emerges from a storm cellar to find a tornado has destroyed their home, where will the money come from to rebuild? Lives were spared and injuries avoided, but the home is gone. Proper home insurance has been the answer for generation upon generation of American citizens.

When making those disaster plans that include storing extra food and planning evacuation routes, be sure to do a thorough investigation into the amount and type of insurance that protects home and property. Proper insurance should be a part of every disaster plan.