Natural disasters, no matter how much we try to prepare for them, can cause havoc in our homes. In such a scenario, preparing in advance and taking proactive measures is the only thing that can help save our homes from damage.
Fortunately, with the help of modern technology, we now have many tools to protect our homes against natural disasters. In this blog post, we’ll go over some tips on how to protect your home from natural disasters.
For coverage against natural disasters for your home, Sharp Insurance has you covered!
Ways To Shield Your Home Against Natural Disasters
In this section, we discuss some of the ways through which you can shield your home from natural disasters. So, let us get started with the discussion here.
1. Get Insured
One of the most important things you can do to protect your home from natural disasters is to get insured. Consider getting insurance coverage that specifically covers natural disasters such as hurricanes, floods, and earthquakes.
Insurance policies can provide you with financial help when your home requires repairs or rebuilding after damage from natural disasters. Make sure you read your policy carefully and understand what it covers and what it doesn’t.
2. Install Storm Shutters
In areas that are frequented by hurricanes or high winds, one of the most effective steps that you can take to protect your windows is to use storm shutters. They are a great way to save the doors and windows of your home from wind-borne debris during extreme weather conditions. Furthermore, storm shutters can also help you save on energy costs by keeping the heat out in the summertime and the cold out in the winter.
3. Maintain the Landscape
Surprisingly, the trees and foliage around your property can pose a significant risk to your home during natural disasters. During storms, trees can fall and damage your home or even cause power outages. Therefore, it’s crucial to maintain trees regularly and remove those that are rotting or unhealthy. Clearing out the debris and general yard maintenance can also help prevent damage in a flood.
4. Keep Your Gutters Clean
Blocked gutters can be a source of serious trouble when it comes to natural disasters. Clogged or blocked gutters can cause water to overflow during heavy rains leading to flooding in the basement or foundation of your home. Cleaning your gutters regularly and checking them before the rainy season can help prevent any flooding or water damage.
5. Use Fire-Resistant Materials
If you live in an area prone to wildfires, it’s vital to use fire-resistant materials in your home’s construction. This includes the roof, walls, windows, and doors. A fire-resistant roof made out of metal can prevent a wildfire from spreading beyond your property. Additionally, fire-resistant glass can prevent airborne embers from entering your home and potentially cause combustion.
How Protecting Your Home from Natural Disasters Affects Your Home Insurance
Natural disasters can bring devastating results, affecting millions of people each year. In 2019 alone, natural catastrophes caused over US$232 Billion in damages worldwide. While we cannot control these events, we can prepare for them and protect our homes and families from their wrath.
Not only does protecting your home from natural disasters keep you and your family safe, but it can also affect your home insurance in more ways than you may think.
1. Lowering Your Premiums
Home insurance companies assess the risks involved in providing coverage to homeowners. If your home is susceptible to natural disasters, such as floods, earthquakes, or hurricanes, your premiums will be higher. However, you can lower your premiums and reduce your insurance costs by protecting your home, upgrading to weatherproof materials, and installing protective measures like storm shutters and reinforced doors.
2. Comprehensive Coverage
Natural disasters can have severe consequences, resulting in long-term damage and substantial financial losses. Adequate coverage can protect you from such losses. When you take steps to secure your home against natural disasters, you can rest assured knowing that you have comprehensive coverage that will help rebuild and get back on your feet.
3. Scope of Coverage
Some natural disasters, like floods or earthquakes, are not covered by standard home insurance policies. Purchasing additional coverage for such events can provide you with the necessary protection that you need. Alternatively, you may also have the option of buying a separate policy for that specific event, giving you complete control over your coverage and the ability to customize it to fit your needs.
4. Claim Processing
The aftermath of a natural disaster can be chaotic, and submitting a claim can be a daunting process. By protecting your home by keeping detailed records of improvements and maintenance work, you can make the claims process smoother, faster, and less stressful.
The insurance company will have a clear picture of your home’s condition before and after the event, making the assessment process efficient and providing you with the compensation you deserve in a timely manner.
5. Personal Safety
The most important reason to protect your home from natural disasters is the safety of your loved ones and yourself. Home improvements like installing storm shutters, reinforcing doors and windows, and creating an emergency plan can prevent severe damage and potential injuries. Taking steps to secure your home before a natural disaster strikes is crucial, as this could mean the difference between life and death.
Protecting your home from natural disasters can be challenging, but you can minimize potential damage by taking preventative measures. From getting insured and using storm shutters to maintaining your landscape and keeping gutters clean, there are several ways to reduce your home’s risk. With these tips and a little preparation, you can keep your home safe and secure from natural disasters.