When a Natural Disaster Strikes: Protecting Your Future

July 25, 2012
Image: Freedigitalphotos.net

Image: Freedigitalphotos.net

Many Southern California residents deal with losing their homes to fires every year. When the temperature rises, so does the fire hazard. Is your home in danger? Are you properly protected or is your home underinsured?

According to property data provider MSB, nearly 6 of 10 American houses are underinsured, with most homeowners having only enough insurance to cover about 80 percent of the costs to replace or rebuild their homes. Some policyholders even have coverage that does not cover fire damage.

Rebuilding and replacement costs are also rising and being underinsured can be costly to the homeowner. A survey by United Policyholders, a consumer advocacy group, said 75% of California homeowners affected by the 2007 wildfires in San Bernardino and Riverside counties were underinsured by an average of $240,000.

Steps can be taken to protect your home and future. Property Casualty Insurers Association of America suggests homeowners:

  • Create a defensive space around your home by removing dry shrubs and trees that are in close proximity to the physical structure
  • Conduct a home inventory of your personal possessions
  • Keep receipts in a fire proof cabinet
  • Make a video of the contents of each room in your home
  • Create a family evacuation plan so each member of the family knows where to meet, and what to do in the case of an evacuation order.
  • Regularly review their property insurance policy

An Alandale insurance agent can answer any questions and help you decide how to better prepare for any natural disaster. Call an agent at 888-854-4501 for more information.

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