No matter what part of the country you live in, you are always going to be prone to natural disasters. Whether you live seaside in Miami, or up in the plains of Kansas, you always need to be prepared for the unthinkable. These disasters can happen everywhere. Mutual Claims Services is here to inform you of all of these occurrences and how to prepare for them just in case. We are also experts in providing a water damage insurance claim.


You Can’t Predict The Unpredictable

A natural disaster is a natural event that causes significant damage or loss of life. They can be frightening and almost impossible to predict. The chances of surviving a natural disaster, and mitigating the damages that it will ensue, increase significantly when you are adequately prepared. While there are many generic items such as food, water, an emergency fund, and disaster kits that you can prepare in advance, there are also many things that will need to be done in accordance with specific disasters.


Types of Natural Disasters

  • Earthquake
    • According to the USGS, every state in the U.S. has experienced an earthquake. Earthquakes are one of the most unpredictable and damaging disasters.  There has yet to find a way to predict when an earthquake will occur with enough time to evacuate areas. Systems exist, but they can only give a few minutes warning to residents that a disaster is on its way.
    • What can you do to prepare?
      • Practice the “Drop, Cover and Hold On”
      • Secure items in your home or business that may fall over.
      • Add Earthquake Coverage to your property insurance policy.


  • Fire
    • Fires can be caused by many things including candles, cooking, flammable materials, appliances, arson, chemicals, gases, holiday decorations, fireworks, and even lightning. With so many ways for a fire to ignite, it is important to have a plan if you are affected.
    • What can you do to prepare?
      • Practice the “Stop, Drop and Roll” procedure, especially with young ones.
      • Have an escape route. You should have at least two ways to exit every room in a building. You should practice these escape routes to ensure that everything is in proper working condition.
      • If you are in an area that is susceptible to wildfires, be sure to keep the exterior of your home as safe as possible using these tips from gov.
      • Review your insurance policy and update it with any items that have been added to your property within the past year.


  • Flood
    • Flooding can happen year round. Think of intense summer storms, a rainy spring season, or a cold fall downpour can lead to severe flood and extreme water damage to your property.
    • What can you do to prepare?
      • Add flood insurance to your standard insurance policy through the National Flood Insurance Program.
      • Much to many policyholders’ surprise, flooding is not covered in a standard property policy.
      • Map out several evacuation routes. Flooding can cause many roads to be closed, so be sure to have multiple ways to get to the same destination memorized. Power outages and technology may fail in times of disaster, leaving you to depend on your memory.
      • A good rule of thumb is to plan for an emergency shelter in town, one destination out of town, and one out of state.
      • Consult with our experts when it comes to a water damage insurance claim.


  • Hurricane
    • Hurricane season typically lasts from June through October in Florida. Past hurricanes have taught us that you can never be too prepared so be sure to heed all warnings from officials without question. Unlike other disasters, hurricanes are much more predictable, giving residents in potentially impacted areas as much as 36 hours to get ready.
    • So what can you do to prepare?
      • Protect your property
      • Gather broken tree limbs and remove any branches that are hanging over your house, exterior buildings or vehicles.
      • Bring all lawn furniture and play accessories indoors, or anchor large ones to the ground.
      • Tarp any areas of your roof that are in need of or in the process of repair.
      • Fill all cracks in the foundation of your property to prevent water from entering and causing damage.
      • Board up windows.
      • Add appropriate coverages in advance.


Contact Us Today

When it comes to natural disasters, we know exactly how to help, especially when it comes to hurricanes and flooding. We are professionals in a water damage insurance claim. Miami depends on Mutual Claims Services. Call or visit us today for more information.