Home coverage comes in handy as severe weather hits - Tucson News Now

Home coverage, plans come in handy as severe weather hits

Homeowners insurance may be a small price to pay in the event of severe weather. Homeowners insurance may be a small price to pay in the event of severe weather.
  • TornadoesMore>>

  • Waterspouts form off NC coast

    Waterspouts form off NC coast

    Monday, July 10 2017 3:11 PM EDT2017-07-10 19:11:37 GMT
    Monday, July 10 2017 3:11 PM EDT2017-07-10 19:11:37 GMT

    There are two types of waterspouts, according to the National Ocean Service. Tornadic waterspouts are tornadoes that form over the water or move from land to water, and they have the same characteristics.

    There are two types of waterspouts, according to the National Ocean Service. Tornadic waterspouts are tornadoes that form over the water or move from land to water, and they have the same characteristics.

  • Tornado leaves behind damage in Biloxi

    Tornado leaves behind damage in Biloxi

    Wednesday, June 21 2017 7:07 PM EDT2017-06-21 23:07:07 GMT

    Tornado recovery is underway in Biloxi after a waterspout came on shore Wednesday morning.

    Tornado recovery is underway in Biloxi after a waterspout came on shore Wednesday morning.

  • Mother and daughter survive after tornado destroys their home

    Mother and daughter survive after tornado destroys their home

    Thursday, April 7 2016 1:25 PM EDT2016-04-07 17:25:43 GMT
    Thursday, April 7 2016 9:31 PM EDT2016-04-08 01:31:37 GMT

    Cleanup continues following a possible tornado that left 10 miles of damage across Calhoun County.

    Cleanup continues following a possible tornado that left 10 miles of damage across Calhoun County.

  • WildfiresMore>>

  • Wildfire leaves "complete devastation" in rural community

    Wildfire leaves "complete devastation" in rural community

    Thursday, July 20 2017 3:58 AM EDT2017-07-20 07:58:12 GMT
    Friday, July 21 2017 7:22 PM EDT2017-07-21 23:22:41 GMT

    California fire officials say 29 structures have been destroyed by a blaze burning in the rugged mountains outside of Yosemite National Park.

    California fire officials say 29 structures have been destroyed by a blaze burning in the rugged mountains outside of Yosemite National Park.

  • Fire racing near Yosemite park destroys dozens of structures

    Fire racing near Yosemite park destroys dozens of structures

    Wednesday, July 19 2017 3:17 AM EDT2017-07-19 07:17:48 GMT
    Thursday, July 20 2017 10:01 AM EDT2017-07-20 14:01:12 GMT

    A wildfire burning in the rugged mountains outside of Yosemite National Park has destroyed eight structures and damaged another as it rages toward a Gold Rush era town.

    A wildfire burning in the rugged mountains outside of Yosemite National Park has destroyed eight structures and damaged another as it rages toward a Gold Rush era town.

  • California blaze destroys 8 structures near Yosemite

    California blaze destroys 8 structures near Yosemite

    Tuesday, July 18 2017 5:29 PM EDT2017-07-18 21:29:52 GMT
    Wednesday, July 19 2017 1:59 AM EDT2017-07-19 05:59:26 GMT
    Tall grass from a deluge of winter rains is fueling wildfires throughout the Western U.S., damaging more than a dozen homes in Nevada and threatening hundreds more structures in California.
    Tall grass from a deluge of winter rains is fueling wildfires throughout the Western U.S., damaging more than a dozen homes in Nevada and threatening hundreds more structures in California.

(RNN) - Natural disasters come as a harrowing surprise to all homeowners, but the lack of insurance can be both surprising and costly.

The U.S. suffered nearly $65 billion in insured losses following natural disasters in 2012, according to the National Association of Insurance Commissioners. Those numbers are up from the $43 billion recorded in 2011.

One insurance company is helping homeowners protect their homes and possessions with a new smartphone application.

Allstate Insurance has created the "Allstate Digital Locker," which allows homeowners to take photos from room to room of images that could be damaged in the event of devastating severe weather. The photos are archived for future claims.

"There are a lot of things that can happen to a home, but there are also a lot of things you can do proactively that would make things easier in the event of damage of loss," said Ron Stouffer, senior vice president at Allstate Insurance in a news release.

In a 2012 survey of adults with homeowner or rental insurance, Allstate found that 43 percent of respondents were concerned about damages because of natural disasters. Nearly 22 percent of respondents were not sure if their insurance covered natural disasters, while 53 percent believed the U.S. has dealt with more natural disasters through the last several years.

Nearly a third of respondents did not know if their insurance would cover natural disasters at all, while only 8 percent said if they would take their insurance information with them if they were forced to evacuate their homes.

Allstate isn't the only group creating severe weather preparedness technology.

The National Association of Insurance Commissioners also created an app to help homeowners collect and keep records of their homes in the event of natural disasters.

Both apps are available on iPhone, iPad and Android devices.

The new apps for insurance and preparedness for severe weather come as many insurance companies have withdrawn coverage in states with high severe weather occurrences, according to the Insurance Journal.

"Getting through these incidents can be made considerably easier by taking the time to identify what you have and to learn what your policy covers," said Stouffer.

FEMA has prepared awareness plans on its website in both English and Spanish, so citizens can be prepared in every aspect.

"Every year, thousands of people are impacted by severe weather threats such as tornadoes and severe weather," FEMA says on its website.

In initiatives by FEMA and NOAA, the groups created National Severe Preparedness Week. Recognized March 3-9, 2013, states prepped for severe weather specific to their state in the forms of tornado and hurricane drills, flood preparations and other severe weather related incidents, such as power outages.

In 2012, data showed that severe weather caused nearly 2,600 injuries and caused more than 450 deaths.

The No. 1 cause of deaths in severe weather in 2011 was tornadoes, according to statistics gathered by the National Weather Service's U.S. Natural Hazards Statistics.

NOAA also has a calendar of severe weather preparation events by state on its website.

Insure Online suggests that homeowners should shop around before purchasing insurance, compare prices to other homes in your price range and knowing your coverage plan well.

Copyright 2013 Raycom News Network. All rights reserved.

  • National, world weatherWeather and disaster coverageMore>>

  • 2 dead, 500 hurt as deadly quake rattles Greece, Turkey

    2 dead, 500 hurt as deadly quake rattles Greece, Turkey

    Friday, July 21 2017 3:48 AM EDT2017-07-21 07:48:37 GMT
    Friday, July 21 2017 8:30 PM EDT2017-07-22 00:30:43 GMT
    A powerful earthquake sends a building crashing down on tourists at a bar on Greek holiday island of Kos and strikes panic on the nearby shores of Turkey, as 2 people killed and more than a hundred injured.
    A powerful earthquake sends a building crashing down on tourists at a bar on Greek holiday island of Kos and strikes panic on the nearby shores of Turkey, as 2 people killed and more than a hundred injured.
  • Wildfire leaves "complete devastation" in rural community

    Wildfire leaves "complete devastation" in rural community

    Thursday, July 20 2017 3:58 AM EDT2017-07-20 07:58:12 GMT
    Friday, July 21 2017 7:22 PM EDT2017-07-21 23:22:41 GMT

    California fire officials say 29 structures have been destroyed by a blaze burning in the rugged mountains outside of Yosemite National Park.

    California fire officials say 29 structures have been destroyed by a blaze burning in the rugged mountains outside of Yosemite National Park.

  • Powerful storms cause damage, flooding in Midwest

    Powerful storms cause damage, flooding in Midwest

    Thursday, July 20 2017 9:58 AM EDT2017-07-20 13:58:29 GMT
    Friday, July 21 2017 6:01 PM EDT2017-07-21 22:01:29 GMT
    Several hundred people have evacuated their homes in the small western Wisconsin community of Arcadia after heavy rain sent a creek over its banks.
    Several hundred people have evacuated their homes in the small western Wisconsin community of Arcadia after heavy rain sent a creek over its banks.
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