Natural disasters are the most common cause of insured property damage and loss. Here's how to know whether your policy covers you if your home is damaged in an earthquake, tornado or other natural disaster:
Earthquakes
Earthquakes are caused by the movement of tectonic plates, which is what causes the ground to shake. The most common types of earthquakes include micro-earthquakes (smaller than 3.0 on the Richter scale) and macro-earthquakes (larger than 4.5 on the Richter scale).
Earthquakes can cause damage to buildings, bridges and other structures as well as damage to foundations such as foundations for houses or businesses. If you live near an active fault line that runs through your neighborhood then you may be at risk for damage during an earthquake due to movement within these areas where there has been previous activity in terms of earthquakes occurring there over time periods ranging from decades up until today!
Mudslides
Mudslides are a natural disaster. They're also a type of landslide, and they can be caused by earthquakes, landslides or volcanic eruptions. Mudslides can cause damage to homes and businesses alike if they're not covered by homeowners insurance policies.
Tornadoes
Tornadoes can cause a lot of damage to your home, personal belongings, car and business. If you live in a tornado-prone area, it’s important to have insurance that covers natural disasters like tornadoes.
Most homeowners policies will cover all losses caused by windstorms or hail storms if they occur during the policy period (usually three years). However some insurers offer special policies for more severe conditions such as earthquakes or floods that are not covered by standard homeowner policies
Floods
Floods are a common natural disaster that can cause damage to your home, its contents and your personal belongings. Floods can be caused by heavy rain or a storm surge as well as being caused by a dam breaking.
A flood can occur when water builds up in an area after it rains for several days or weeks. The level of water will increase until it reaches the top of its banks, then it flows downstream where other areas may be affected by flooding too (especially if their bank is higher than yours).
A dam break is another way of saying that one side of the dam wall has been weakened and allowed water to escape through cracks in its foundations - this results in high levels of rainfall over short periods of time due to erosion caused by rapid currents rushing down valleys towards riverside settlements close together at either end where there aren’t any barriers preventing them from merging together into one large body before reaching sea level again later on downriver!
Wildfires
Wildfires can be caused by a variety of factors, including lightning strikes and arson. In addition to causing damage to your home and belongings, wildfires can also pose a threat to your health if they come close enough to you while you're outside (or even inside). If you live in an area where wildfires are common, it's important that you know what types of insurance coverage are available so that you can stay safe during any natural disasters.
Natural disasters can cause damage to your home, its contents and your personal belongings.
These are some of the most common natural disasters:
Earthquakes
Mudslides
Tornadoes
Floods, including flash floods and riverine flooding (flooding caused by a high tide or heavy rain)
Wildfires
Natural disasters can cause damage to your home, its contents and your personal belongings. This is why it's important that you have insurance in place to cover these events. When it comes down to the final decision on whether or not a natural disaster will affect your house insurers often make recommendations based on the risk factors surrounding each customer’s property and circumstances