Ways to Protect Your Home or Business Against Natural Disasters

When it comes to earthquakes, floods, and wildfires, it's better to prepare for the worst. Learn how to safeguard your abode from natural disasters.

The U.S. is no stranger to natural disasters. In 2019, the country marked its sixth consecutive year in which 10 or more billion-dollar weather and climate disaster events ravaged the country. These natural catastrophes have put countless lives at risk and caused serious havoc to properties.

While natural disasters can't be prevented, there are ways to reduce their damage to your property.

Storms

Typhoons and flash floods are some of the most common types of natural disasters. Seal your walls with waterproof compounds to prevent water from entering your interiors and damaging yourvaluables. Apply a fresh layer of caulk around doors, windows, and other points of entry before the rainy season to prevent moisture from seeping through cracks and holes.

If you're planning to move in an area that's prone to flooding, make sure your property is sufficiently elevated. Appliances such as washer, dryer, furnace, and the heater must be elevated at least 12 inches above assumed flood levels. This will prevent electric shocks and keep your electrical components intact.

Wildfires

In 2018, more than 58,000 fires scorched nine million acres across the country.Wildfires can damage property and destroy vegetation and wildlife. They typically begin in mountainous areas, forests, and remote hills. Areas in drought zones are also more susceptible to wildfire.

Fortunately, there are steps you can take to safeguard your home or place of business. Avoid using combustible material on your roof. Assess the perimeter and watch out for areas that may be more flammable than others. In addition, remove lawn furnishings and highly flammable items away from the property Ensure you have a hose long enough to reach around the entire house.

In the event of afire, close all your windows, turn off the gas, and follow your area's evacuation guidelines.

Earthquakes

Nobody knows when the next earthquake will strike, so ensure that your building is well-preparedall year long.

Secure heavy items such as refrigerators and water heaters to your wall or floor. Place breakable items on lower shelves to prevent any damage. Before buying a house or a place for business, ensure that there are no cracks in the foundation. Hire a professional to inspect your area for defective wiring or connections and make sure repairs are done immediately. If you live near a major fault line, consider bolting your home to its foundation for maximum safety.

Obtain insurance

A business insurance plan or a homeowner's insurance policy is your first line of defense against natural disasters. It can help cover expensive repairs caused by flood, fire, and earthquakes. Make sure your policy numbers are stored in a safe place, preferably near your emergency supplies. Take the time to review your policy and consider obtaining more coverage for maximum protection. In the event of a natural disaster, takephotos or videos of the damage in your property. This can help in strengthening your claims and getting the compensation you deserve.

Your home or business is among the most expensive investments you'll ever make. Therefore, it's crucial that you give it the care and attention it deserves. Taking steps to disaster-proof your property can save time, money, and even someone's life.