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Do you have the right disaster insurance?
 

Real estate comes down to location, location, location. Same goes for disasters. Where you live offers clues to how susceptible your home is to damage by floods, tornadoes, hurricanes, earthquakes, wildfires, and other calamities.
These regional risks also indicate whether you need to consider purchasing supplemental disaster insurance to cover claims that wouldn't be included under a typical homeowners policy. Determining if you live in a disaster-prone region and reviewing your existing coverage are good first steps.
The next step is to create a home inventory, ideally with a digital camera or camcorder. Store copies of those files far away from your house or online at a backup storage site. That way, even if your home and computer are damaged, you'll have proof of what was lost. Remember too to devise a family evacuation plan and assemble an emergency kit with food, water, and supplies.
Floods
Homes in low-lying areas, near bodies of water, or downstream from dams are particularly vulnerable. Saturated carpet, insulation, and drywall can promote mold growth. Since flood damage is often excluded from homeowners policies, it's important to weigh the risk to your property.
At-risk regions: All
Coverage: Find out if your homeowners policy differentiates ... more

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