Tips on how to stay covered in a natural disaster

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September is "National Preparedness Month."

Each week of this month has a theme and this week the theme is "Insurance Coverage."

A natural disaster can strike at anytime so it's important to make sure you're covered.

"Well there's nothing you can do to prevent a natural disaster but the only thing you can do is to make sure you're fully prepared. And from an insurance prospective that's making sure you're planning ahead, checking your policies, understanding the limits of coverage you have, understanding the specific coverage's you do have," Insurance Agent Casey Mills.

This can be as simple as storing all of your important belongings in a dry box.

"Where you can include things like your passport, your credit card, your bank statement, the name of your agent, the name of your insurance company. You want to be able to get a hold of them so you can get your home back up and running as soon as possible," says Mills.

Or for homeowners to make sure your homeowners policy includes a sewer and drain option especially in case of flooding.

But it's not just homeowners that need to make sure they're covered it's businesses too.

"In an event where your office wasn't available the next day, where would your employees go? Where would your customers go? Who would they call? So having a plan in place is critical. Secondly you have to account for business disruption coverage. In the event you couldn't open your doors, how do you continue pay your employees? How do you continue to maintain your customer base if they have to go somewhere else for that business," says Mills.

Taking the extra steps to make sure you're prepared will always pay off in the long run.

"I think what people need to think through is doing all of this in advance and be able to react on the fly. Business and homes being able to put together emergency preparedness plans is very critical of getting made whole after a loss," says Mills.

Mills says speaking with an insurance provider will help a business or home owner understand and weigh their options when it comes to coverage.

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