A natural disaster is a devastating event that endangers people’s lives and property. It is an unpredictable event that can happen anytime and anywhere even when you least expect it.  Every state is exposed to one or more of a host of hazards: earthquakes, droughts, floods, hurricanes. Landslides, tornadoes, tsunamis, volcanic eruptions, and wildfires. As Hurricane Hugo demonstrated in 1989, natural disasters can undo years of development and devastate natural resources in minutes or hours.

Natural disasters can cause significant damage to a home, but the amount and type of damage vary greatly. For example, hurricanes can cause damage due to strong winds, but an accompanying storm surge also can cause significant flood damage. Hurricanes also can spawn tornadoes. This combination can equate to significant and even complete loss of properties.

And we’ve all seen the damage done to homes after a fire, flood, or earthquake. These events are called “disasters” for a reason. The structural integrity of a home can be severely damaged by any of these, leaving it uninhabitable.

In addition to disasters that cause roof and structural damage, a home suffering even a few inches of water damage can necessitate significant repairs as well as mold remediation. Likewise, after a wildfire, fire and smoke damage leaves lingering issues beyond what is visible — such as odors and drifting ash.

However, it’s not only homes that suffer when a natural disaster occurs; the lives of the people in those homes can be upended completely. According to the children’s charity site –Their World, “Natural disasters, such as floods and typhoons, forced 4.5 million people around the world to leave their homes in the first half of 2017. They included hundreds of thousands of children whose education has been stopped or disrupted due to schools being severely damaged or destroyed by extreme weather conditions.”

Although there is often little that can be done to prevent a natural disaster, people can take steps to prepare when it happens. Homeowners should purchase the right type of insurance to protect their homes and property in the event of a disaster.

Contact us now and let us assist you in choosing the right type of insurance you need. Make a move now. Do not wait for the disaster to strike. Remember, when disaster strikes, the time to prepare has passed.

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