Free online resources and specialized professional inspections can help you assess your home’s vulnerability to natural disasters.
offers recommendations to help home and business owners protect their properties. Suggestions include cleaning out gutters and rainspouts annually and moving valuables out of basements and crawl spaces.
Real estate or insurance agents should be able to ascertain any loss history or, at minimum, ask sellers about their experiences. By looking up the building code for the time your home was constructed at, you can locate your community’s disaster history; find out whether the code under which your home was built complies with current standards; and see recommended retrofits and upgrades.
If you live in a wildfire zone, ask your local fire department to help you find an inspector to assess your risk. AndOnce you understand potential risks to your home, use the “ ” to generate a list of questions and checklists, which you can give to your real estate agent or an inspector. For example, if you are in a flood zone , is the home elevated above ground level? Is the foundation equipped with flood vents that allow water to enter and exit the structure at the same rate to mitigate damage?“We give people questions to ask on the front end, then things to do — a recipe for things they can tackle,” Chapman-Henderson says.
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