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3 Tips to Protect Your Home From Natural Disasters

3 Tips to Protect Your Home From Natural Disasters

Floods, wildfires, earthquakes, tornadoes, hail and tropical storms are all classified as natural disasters.[1] Depending on the season, a natural disaster could strike at anytime, and your home could suffer serious damage because of it. This is why it is so important that you reinforce your home to prevent unnecessary damage and keep repair costs to a minimum.

1. Make Sure You Have Homeowner’s Insurance

Note that homeowner’s insurance is different from mortgage insurance. It’s not always easy to come up with the money for repairs with only a moment’s notice, and they could be costly. Homeowner’s insurance doesn’t always offer full coverage for damage to a home due to a natural disaster. Your homeowner’s insurance may include partial insurance for your home for specific natural disasters. While being prepared and having money put away for emergency repairs are responsible things to do, the best alternative may be to get separate insurance in your state for the natural disasters most likely to hit if your homeowner’s insurance doesn’t cover it.

Hurricanes and Tropical Storms

These are likely to hit on the east coast. Be prepared by having hurricane shutters installed, an extra strong garage door and reinforcing the frame of your home with hurricane straps. A contractor will know what hurricane straps are and how to install them.

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Hail

Hail could damage the roof, glass windows and doors and siding of your home. In addition to installing hurricane shutters on your windows and possibly your doors, you should make sure you have roof hail damage insurance.

Tornadoes

Protect your home from a tornado by bracing the gables of the roof and reinforcing the sheathing underneath the shingles or outer roofing.

2. Have a Safe Room

Build a standard safe room for tornadoes. This room may offer some protection when other disasters strike too, like hurricanes. A basic room of this type that accommodates 16 people costs around $3,000 to build. Your safe room could double as a utility closet or storage room at other times.

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Wildfires

Wildfires can be caused by lightening, human negligence or lava from volcanoes. Minimize the possibility of your home being damaged by a wildfire by creating a distance of 30 feet between your home and all dead foliage that could catch fire as well as any trees. This may be drastic, but it’s also recommended to install mesh screening under porches and decks, over vents, openings in your roof and over the entire outside of your home. This makes it almost impossible for flaming debris and flying sparks to light your home on fire.

Earthquakes

Secure heavy objects, like cabinets, shelves, TVs and bookcases to walls or the floor using brackets, safety straps and cables.

Floods

Elevate appliances in your home, especially the furnace, water heater and electric panels. It’s probably not a good idea to have them in your basement, since that’s where flood water will usually collect first.

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Use a waterproofing compound on your basement’s walls so water can’t get in. Also, put two-port check-valves in your drains so that floodwater can’t back up.

3. Find Out What Was Damaged and Have Repairs Done Quickly

Immediately after a disaster, note the date, and check your roof and home for damage both inside and out. On your roof, look for torn, broken or missing shingles. Take pictures, have the appropriate repair workers come and give you estimates of repair costs, and then contact your insurance company or have repairs done. Whether you’re dealing with your homeowner’s insurance or specific natural disaster insurance, if your insurance company is giving you trouble about covering costs, which are stipulated in the contract, then call a public adjuster to get help with your insurance provider.

To prevent the possibility of a natural disaster costing you extra money, do what you can to keep damage to a minimum. For example, use mulch or something similar instead of loose stones for paths and driveways, remove any weak branches from nearby trees, and make sure there is the least possibility of water getting into your home through spaces or gaps in windows and doors.

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Featured photo credit: WikiMedia via upload.wikimedia.org

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Last Updated on December 13, 2018

12 Practical Tips To Stay Fit For Christmas

12 Practical Tips To Stay Fit For Christmas

Christmas is approaching fast, and lots of people not only tend to ruin their usual diets, but they also gain a few extra pounds. Based on studies, the majority of people tend to gain additional weight during the holiday season that starts at the Thanksgiving Day and ends with the New Year celebrations. Excessive eating is claimed to be the main cause for the additional weight gain, but it is also due to lack of physical activity and exercise.

A lot of individuals out there tend to set aside their fitness routines during the holidays since they believe that they do not have enough time to perform their workouts. And because they feel guilty after the holiday season, most of the gyms and fitness centers are packed with fresh members. Always bear in mind that you can still enjoy the holidays and stay fit at the same time. If you want to stay fit during the holiday season, especially during Christmas and the New Year’s Eve, here are some useful tips that might help you:

1. Eat Before Heading Out

First, it is best that you eat something before heading out to visits, trips or family dinners. By doing so, you will no longer be tempted to eat a lot or overindulge yourself since you have already eaten. Skipping on meals is not a good idea either, because you will only be forced to eat more later.

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2. Select The Treats

Make sure to select the treats that you eat in a wise manner. You should choose something that you can only enjoy during the holiday season and not something that is readily available all the time.

3. Avoid Skipping Meals

Don’t skip meals, especially breakfast! Even though it can be tempting to skip on certain meals, believing that it will make up for the treats you consumed in the previous day, don’t do it because it will only lead to counterproductive results.

4. Drink With Moderation

It is best to regulate your drinking since alcohol, coke or other juices will only add more calories to the ones you already eaten!

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5. Be Active

You should still perform your fitness routine whenever possible and if you can’t do that, simply walk more, park your car some distance away from the store or just use the stairs!

6. Get Out Of The House

Make the holidays a family affair and plan outdoor activities where everyone is involved. Even a snowball fight in the backyard will burn a lot of calories and will keep the children entertained.

7. Don’t Skip Your Strength Workouts

Always remember to perform your strength training in order to maintain that muscle mass you worked hard to get. You might be tempted to use lightweights and just do some cardio, but you can burn just as many calories by lifting weights. And with all of those extra stakes you had on the holiday meals, you might even gain some extra muscle. And this is much better than gaining some extra fat.

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8. Set Realistic Goals

You should set realistic exercise objectives. Aim for at least half an hour per day and you will be very happy when you will achieve that. If you plan one hour or more and not achieve it, you will only end up disappointed.

9. Enjoy Yourself

Also make sure to set realistic diet plans! Trying to restrain yourself totally from some foods will only make you eat more. Feel free to enjoy the treats that you really love, but in small portions.

10. Drink A Lot Of Water

This can satiate your appetite as well as keep you hydrated at all times. And it will also prevent a possible hangover if you overdo it with alcohol.

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11. Eat Less And More Often

Distribute your meals evenly throughout the day, and do not eat everything at once.  Instead of having 2 enormous meals, have 5 small ones.  Eat your dinner earlier and have a nice walk before going to bed.

12. Prioritize Your Workouts

Try to do them early in the morning while everyone else is still sleeping. This way you will also avoid remarks like “Oh, come on! It’s Christmas…”

So there you go! Twelve simple tips that will help you avoid gaining weight during the winter holidays, but will also allow you to enjoy yourself and have a great time with your loved ones.

Happy Holidays everyone!

Featured photo credit: rawpixel via unsplash.com

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