Maybe, just maybe, you prioritized your life so you could move your family and all your worldly possessions—lock, stock, and beagle(s)—to a region of the U.S. almost guaranteed to deliver 295 days of sunshine a year. Sweet! But here’s the not-so-sweet reality: All it takes is a few hours of cloudy skies along with a diabolical mix of hot and cold air to spell disaster for your home. And while you may be more familiar with traditional disasters like hurricanes, you may not be prepared for the earth opening up below your foundation or a wave of flames encircling your home.
Having financial safeguards against natural disasters can mean the difference between temporary displacement and outright bankruptcy.
