Natural and unnatural disasters affect everyone. In some areas of the United States are so prone to interference, which, of course, many do not offer private insurance cover. For example, most owners insurance is for damage caused by floods or earthquakes, and few are covered by forest fires, when your property is located in an underdeveloped.
Taken into account in determining what type of insurance you need regarding your current policy, any additional economic (orSpecializations) to active politics and the position of bearing the risk of natural disasters in context.
There are many types of disasters to consider, including natural disasters such as floods, earthquakes, fires, tornadoes and hurricanes. Unnatural disasters, wars, nuclear accidents, civil disobedience and terrorism.
DISASTERS 'NATURAL
Flood
Who is at risk? Everyone. Each area may experience an unusually wet season and the management of wastewaterSystems of cities no longer have any control over the funds in a rapid increase of water in floor areas. In general, when the property is located near a lake or an area subject to storms and floods exposed the National Flood Insurance Program (NFIP) will be held at high risk.
To determine the level of risk in your area: Visit http://www.floodsmart.com sponsored by NFIP floodplain maps to view and search by zip code, flood risk for a certainRange.
Insurance: Traditional owners insurance does not cover flooding. Many lenders require flood insurance if the apartment is located in an area of high risk. Private organizations do not offer flood insurance, flood insurance is through the NFIP, which is available from FEMA and the Department of Homeland Security. About this insurance program is aimed at the NFIP website or through a service plan insurance. Offered by the NFIP Flood insurance typically coversFlooding caused by hurricanes, rivers and tidal waves occur when two acres, or two adjacent properties are affected. Restoring water damage from broken pipes, which are supported by sewers and fire hoses is usually covered by standard insurance.
Earthquakes
Who is at risk? In the United States, the most active areas along the Pacific including Alaska, Hawaii, California, Oregon and Washington. Inland areas of activity include Nevada, Utah, Idaho, Wyoming, and a small area between thecombines three angles of Arkansas, Tennessee and Missouri.
To determine the level of risk in your area: the United States Geological Society Earthquake Hazards Program home cards under [http://wwwneic.cr.usgs. Gov / Neis / Epic / epic_circ.html], from hours to be updated entire planet. Residents of California can go [http://www.quake.abag.ca. Governor] for an interactive map of shaking and liquefaction.
Insurance: earthquake endorsements can be addedMost insurance purchased by a private company. In California, residents can buy earthquake insurance through the California Earthquake Authority. The probability of an earthquake, your location, soil type and structure of the building to determine the awards. Deductible on earthquake insurance are very high in general, often up to 10 to 15 percent of the structural limits of the building. Damage that may be covered by broken gas pipes or water pipes as a result of an earthquake is usuallyby standard insurance. Earthquake damage to vehicles is covered by full insurance. Liquefaction is the damage caused by water and mud, stagnant water from an earthquake. Refer to the policy in order to determine whether to cover the earthquake approval or other additions to this type of phenomenon.
Fires
Who is at risk? Homes in wooded areas or dry, or are away from firefighters in distress.
To determine the level of riskpublished in your area: The National Interagency Fire Center-fire maps given by [http://www.nifc. gov / firemaps.html].
Insurance: It is not uncommon for insurance companies refuse to provide for the houses in wooded areas or away from their fire stations. Fortunately, unless you are in certain high-risk areas, many agencies offer coverage or endorsements. Some policies offer benefits to help provide clean smoke damage and fire cover accidental fires or lightning in the developedAreas. Many insurance companies to extend the rebates in the case of products for prevention are available, including fire alarms and sprinklers, fire extinguishers and fire-resistant roofs.
Tornado
Who is at risk? Tornadoes are most frequent east of the Rockies that are located in the United States. But occasionally occur in other areas.
To determine the level of risk in your area: The National Climatic Data Center tracks storms. In order, and historical mapsTornado Information http://www.ncdc.noaa associated to visit. Gov / OA / climate / severeweather / tornadoes.html.
Insurance: coverage for this type of disaster is usually a standard insurance policy. Most will also cover structural damage caused by hail often accompanies this kind of time. Damage to trees and green spaces is generally not recorded unless an addition is acquired.
Hurricanes
Who is at risk? Hurricanes occur more often, and near the Atlantic Ocean, Gulf of Mexico, Indian Ocean, Caribbean and Pacific. In the United States, the environment of the Gulf of Mexico and along the east coast, from Florida to Maine are particularly vulnerable to this type of extreme weather events.
Published in determining the level of risk in your area: Maps View from Hurricane http://www.ncdc.noaa National Climatic Data Center.> Gov / OA / climate / severeweather / hurricanes.html.
Insurance: Many standard insurance covers losses that are covered by the wind, but heavy flooding. Flood insurance must be through the National Flood Insurance Program to acquire.
Unnatural MAGNET '
Was
Property damage from the activities of war, through modern technology, it could happen anywhere. Most insurance companies will not be for any losses caused by war.
NuclearAccidents
When a power plant emits in the vicinity of your property, is not generally insured damage. However, it may be useful for the problems of liability, the owner of the express. Before buying a property, you want the U.S. Nuclear Regulatory Commission visit http://www.nrc. Governor to determine whether a complex is active in the area.
Civil Disobedience
Civil disobedience usually refers to a riot or other disturbances. StandardInsurance usually covers damage from a riot, unless you were actively involved. If your property is stolen or broken into and vandalized property, more insurance companies to cover the costs for repair and replacement of stolen items. However, for the full value of lost items, you can still buy "to get a cover replacement costs."
Terrorism
On November 26, 2002, President Bush signed the Terrorism Risk Insurance Act, which stated that private insurersand the share of the federal government the risk of losses due to terrorism. Repealed the law of the state are also exceptions for terrorism. This law was for a period of three years, check in your status is set to find out how your state currently uses to cover acts of terrorism. Furthermore, it evaluates your particular insurance policy to see what benefits you can receive when an act of terrorism affects your property.
Other considerations:
Owners may want to considerregardless of their location, additional living expenses (ALE), which are a benefit, reimbursement of up to 10-20% of the structural coverage of your house to help a temporary accommodation costs.
The owners of companies should be to buy "business interruption, accidental or contingent business income of the report, the account to cover loss of earnings or additional expenses that may occur as a direct result of supply disruptions due to events beyond the control activities, too. This type of communication couldbe an advantage if your key suppliers or customers in an affected area.
Not frequent landslides caused by earthquakes or floods. This unique type of motion of the Earth is generally defined in a service area, check with your policy to see if the insurance covers this type of event.
Standard insurance may cover some natural disasters, such as damage caused by storms, hail, lightning and volcanic eruptions.
Even if you complete the purchase of coverage, not of liberation, notcome immediately. In this context, it is a good idea to hand feed, water, cash, a battery in radio, first aid supplies and protection from the elements, made at least three or four days.
Document the good things. Keep an accurate and up-to-date copy of the documents and the politics of managing in a safe place.
Briefly
Once determined that the risks are accurately near your policy. I remember that the policy can provideServices at different levels in relation to the property. Currency of reporting on the structure and content of a building, buildings such as outdoor sheds, barns or garages, landscaping and temporary accommodation or transfer costs.
Understanding of your policy can be difficult. However, it is better to invest a little 'time to make some thoughts later. If you believe that your insurance is a bit 'short, a shop on the type of coverage you need, or speak with yourRepresentatives of additions to your current policy. You can also try on-line service as insurancefinder.com.
References
Association of Bay Area Governments. Earthquake maps and information, liquefaction and information. http://quake.abag.ca. gov.
Federal Emergency Management Association (FEMA). What is a flood? http://www.floodsmart. gov / Flood Smart / pages / whatflood.jsp.
Insure.com. The basics of earthquake insurance.http://info.insure.com/home/quake.html.
Insurance Information Institute. Earthquakes: Risk and insurance matters. http://www.iii.org/media/hottopics/insurance/earthquake/.
Kreidler, Mike. Facts about earthquake insurance [http://www.insurance.wa. Gov / boards / factsheet_detail.asp? FctShtRcdNum = 20].
National Interagency Fire Center. Fire Maps. [http://www.nifc. gov / firemaps.html].
U.S. Department of Commerce. NOAA Satellite and Information Service, NationalClimatic Data Center. Hurricanes. http://www.ncdc.noaa. gov / OA / climate / severeweather / hurricanes.html.
U.S. Department of Commerce. NOAA Satellite and Information Service, National Climatic Data Center. Tornado. http://www.ncdc.noaa. gov / OA / climate / severeweather / tornadoes.html.
U.S. Department of the Interior. U.S. Geological Survey Earthquake Hazards Program. [http://wwwneic.cr.usgs. gov / Neis / epic_circ.html / epic].
U.S. Nuclear Regulatory Commission. FacilityInformation Finder.http: / / www.nrc. Gov
Weston, Liz Pulliam. What's Your Home Insurance are not covered. http://moneycentral.msn.com/content/Insurance/Insureyourhome/P35342.asp.
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