The Hartford

You can't predict when or if a natural disaster might affect you and your family. Preparing in advance can help mitigate some of the loss and damage that could occur. An important component before a disaster happens is making sure you have the right insurance coverage to help you in the recovery process. 

Assess your risk. Research what disasters you are most at risk for and how severe they have been in the past. Consider other factors, including emergency service access and availability and potential property that could be lost or damaged.

Research insurance options. Talk with your insurance agent and find out what your coverage options are. Ask specific questions relative to the risks you've identified. Make sure you understand your deductibles, what is and what is not covered and how the claim process works.

Have an insurance policy in place in advance. Make sure you, your family and your property are covered before a disaster happens. Being properly insured in advance will help you cover potential damage and losses and help you get back on your feet more quickly.