Can You Get Insurance Cover for Natural Disasters?


When you’re a home or business owner, you’ll no doubt be worried about what might happen in the event of a natural disaster. While you can prevent certain things, from theft to fires, you can’t prevent a natural disaster, although you can prepare for it and make sure you are covered if one occurs. But can you get insurance that’ll cover a natural disaster?

Use a specialist insurer

If you live in an area that’s at risk from natural disasters, then it’s important that you look for insurance cover from a specialist insurer. Many insurers put in clauses and terms and conditions that make it seem like you’re covered, but once it comes to paying out, they find a technicality to stop your claim.

It’s best to look for an insurer who specialises in the natural disaster that you’re at risk from, so you can be 100% sure you are covered.

Know your risk

You should make sure you know what risks are present in your area when it comes to natural disasters. It may not be something you’ve encountered before. Some natural disasters to look out for include:

  • Earthquakes
  • Floods
  • Bushfires
  • Hurricanes or other storms

While they may not have occurred recently in your area, any level of risk is important to insure against, so you should know what the risks are.

Be sure to get adequate cover

Another thing to think about is whether you have enough cover. Many business and homeowners simply get the minimum level of cover, then find when it comes to claim, they don’t have enough cash to rebuild so are out of pocket. This is extremely disheartening, not to mention expensive. Make sure you get an insurance assessor to work out how much cover you need and get the right policy with enough to cover you.

When it comes to natural disasters, you may not be able to stop them, but you can minimise the damage by putting some measures in place. You can also make sure you are insured properly, with enough cover to get you back on your feet when you need it most. That’s why it’s best to work with specialist insurers who can ensure you have the right cover, and can make a claim without the hassle. If you live in an area where there is a risk of flooding, bushfires or other natural disasters, make it a priority to get yourself insured.