Protecting Your Home Before The SHTF

Nov 27, 2013 by

We, at the Home For Survival, have talked about being on the East Coast for Hurricane Sandy and others a year ago.  We spoke of it as it related to feeling a bit like it would if the SHTF.  However, we never discussed how to handle the in-between.  When the world has not experienced devastation, just your local area. 

Therefore, we thought it would be interesting for our readers to hear how to assure you are not exposed financially when a crisis strikes.  It may not be a SHTF event but it can hurt you and your family.  Arm yourself with knowledge. 

What Are You Covered for if a Natural Disaster Occurs?

If you’re worried about a natural disaster occurring in your area, you definitely want to find out what you’re covered for in case one occurs.

Natural disasters can cause a great amount of damage, so it’s important to make sure you’re covered as best as possible, in case one should occur where you live.

This guide will help you find out what your homeowner’s insurance may cover in the case of natural disasters and help you discover if you might need additional insurance coverage.

What Does Your Homeowner’s Insurance Cover?

Before you start looking for any disaster insurance, you first want to understand what events are covered and what events are not covered in your existing homeowner’s insurance policy.


Image courtesy of George Stojkovic /

Make sure to read through your policy carefully, and call your insurance agent if you have any questions about your policy’s coverage. Once you know what is and isn’t covered by your homeowner’s insurance, you will need to find out what specific disaster risks are present where your home is.

To find out what disasters your area is at risk for, you could start by contacting the local office of your insurance commissioner and looking for data the emergency management administration may have on disasters in your region that have occurred in history.

You may also look to flood maps and guidelines to determine your risk for events that may cause flooding.

Check out the HBF website to learn more at

What Natural Disasters Are Covered?


Losses due to hurricanes are usually covered by homeowner’s insurance policies except for losses that may have occurred due to flooding associated with the hurricane. Some policies also only offer limited coverage for hurricane damage or offer a higher deductible that would have to be purchased for hurricane damage.


Flood damage is excluded from most homeowner’s insurance policies. So, if you are at risk for flooding in your area, you will want to purchase a flood policy.


The majority of homeowner’s insurance policies cover losses due to hail. Typically, coverage for hail will be under the policy’s “Named Perils” section, where hail must be named in order for it to be covered.


Losses due to earthquakes are usually not covered under homeowner’s insurance policies, although losses related to fires that occurred due to earthquakes are usually covered. To ensure coverage against earthquake damage or losses, you will usually have to purchase a separate policy.


All homeowner’s insurance policies should cover for losses due to fires, including wildfires. If you live in an area with a huge risk of wildfires, though, you may want to consider a higher deductible to keep coverage affordable or to obtain coverage.


The majority of homeowner’s insurance policies cover for damage and losses due to tornadoes, except for losses due to flooding associated with tornadoes. Tornado losses are typically covered under the term windstorm, which includes hurricanes and straight-line winds, as well.

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