Natural disasters are a fact of life. They are impossible to predict and wreak havoc on entire communities. In some cases, all you can do is to make sure you have the right types and amounts of insurance coverage. However, in other cases, a bit of advanced planning can save you a world of trouble. Below are some of the most common types of natural disasters and the best way to prepare for them.

How to Prepare for Various Natural Disasters

1. Floods

If you live in a flood plain, you can take a few steps to gird your home against the brunt of a flood. For instance, you should consider elevating your furnace and water heater to protect it from rising waters. Installing them on the ground floor instead of the basement could help a great deal. Alternatively, simply raising them onto a waterproof platform may also mitigate many problems.

 Install sewer trap check valves to prevent flood backups. Have your basement waterproofed to prevent leaking. Prepare go-bags to enable swift evacuation in case of flash flooding. Make sure your home is covered with separate flood insurance coverage since most insurance policies exclude this type of damage.

2. Windstorms

Tornadoes cause considerable wind damage, so guard against them by installing window shutters. Have your roof inspected to make sure it's in good condition and the shingles can withstand gale-force winds. Fill all of your vehicles, generators, and other fuel tanks before the storm hits in case you don't have the opportunity to afterward. Back up computer data, cover electronics with tarps, and move them to an interior, windowless room.

3. Earthquakes

There is little time to prepare for an earthquake, but you may have a moment between the first tremors and the main quake. Take this opportunity to batten down any movable objects. Remove heavy items from high shelves and stay away from any heavy furniture—like bookshelves or grandfather clocks—that could pose a threat of toppling.

When the main quake occurs, drop, duck, and cover. Protect your head from falling objects and stay away from panes of glass. Understand that earth movement is also a common exclusion among home insurers, so you likely need to purchase separate earthquake insurance coverage to protect your home and belongings.

To purchase insurance coverage to secure yourself financially against a natural disaster, contact Charles Adams Insurance Agency in Ashland, KY. They have been serving Boyd County residents and businesses for more than 100 years and specialize in home, life, and auto insurance coverage for any circumstance. Visit their website to connect with them online or call (606) 325-9709 to request an insurance quote.