"An ounce of prevention is worth a pound of cure." Disasters usually strike without warning. In these days of terrorist (human) threats as well as natural perils, preparation becomes even more essential.
Articles on Underinsurance
Teresa Manley & Joe Raffetto - Stepping up in a disaster - June 19, 2008
Insurance Update - May 31, 2008
Most American Homes Are Underinsured - ABC News, September 7, 2005
Homeowners haunted by underinsurance - Elliot Spagat of the Associated Press, July 11, 2004
Water and food are generally the first items on anyone's preparation list. However, preparation is also making one's property stronger and safer in the event of a natural or human disaster.
Metal fasteners, bolts, plywood and water hoses, properly applied and placed, can save lives and prevent damage. Sand, shovels, brooms, buckets and blankets can save property from fire. Trimming and removing trees, shrubs and other plants from the perimeter of real property can keep accumulated fuel (vegetation) from adding to the heat and consequential damage to your home.
In the 1991 Oakland fire, one fire victim was unable to defend his home from the fire's path because his neighbor had stacked pine needles along the property line. The pine needles acted like a wick, directing the eventual flames to the house.
Clear pathways to shelter, fire fighting equipment and water can save lives before a disaster strikes and the immediate emergency afterwards.
Retrofitting before the next earthquake by Seismic Safety™/ Ed Sylvis Construction
Is Your Home Protected From Wildfire Disaster? by the Institute for Business & Home Safety
Be Prepared by the Red Cross
Preparedness by FEMA