You might see a natural disaster on the news and think about how horrible that tornado or flood was, then feel thankful that it wasn’t near your home. While you may not think you need home insurance, remember that natural disasters happen in Pennsylvania and beyond.
Common Natural Disasters in PA
Pennsylvania is a large state, and the phenomenon in one part of the state may not affect the others. However, there are common natural disasters that you should be aware of and prepare for if you live in the state, including:
- Floods: The number one natural disaster in PA is flooding since many communities are located along the water. This condition exists because of the state’s early reliance on water for transportation and energy. Homes, properties, businesses and industries in these areas are often at risk of floods.
- Fires: Fires are the second-worst natural disaster in the state. Although some fires are human-made, wildfires are also a problem in much of the state. Extensive property damage in homes, commercial and industrial areas can happen quickly during a fire.
- Winter storms: Winters are rough in Pennsylvania, so it only makes sense that numerous winter storms can cause property damage. Severe snowstorms and ice can shut off your power and damage your home if there are high winds and a large amount of snow.
- Tropical storms: Tropical storms come from hurricanes and can hit Pennsylvania after they move inland from the Atlantic and the Gulf of Mexico. They cause flood damage, and winds can get so strong that they destroy parts of your house.
- Tornadoes: Tornadoes are not only deadly, but they can also cause extreme damage to your home. Although they’re not as common as floods or fires in Pennsylvania, they’re more prevalent in certain areas of the state.
How to Avoid a Disaster
One of the best ways to avoid a natural disaster is to make sure you’re prepared for one. You should create a readiness kit in advance that has essential items for any type of disaster. Pack flashlights, a battery-operated radio, first aid supplies, cash and food and water, and put the whole kit in a place that’s easy to reach.
Make sure you create a family communication plan in case of an emergency. If you know that a tropical storm or a snowstorm is coming toward your home, take the time to find the location of local shelters, or stay with friends and family in other areas. If a disaster hits and your house ends up with damage, try to start an emergency fund to rebuild or repair what broke.
The best way to avoid a disaster is to make sure you have home insurance that will take care of any damage from a natural disaster. If you already have homeowners insurance, check to make sure it’s up-to-date and adequate to cover a tropical storm, tornado or anything else that could happen. Contact Strock Insurance today to learn more about the home insurance you need to avoid a disaster.