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when disaster strikes are you prepared the niic found that 59% of homeowners had no home Inventory many were paid a settlement far less than what their possessions were worth because they missed items or didnt know the value of items at the time of the disaster today well be talking about how you can prepare your family for that unexpected disaster the first thing you can do to get your home prepared for that disaster is to be well informed on your insurance policy and coverage for example many homeowners think that their policy covers them in the event of a flood however thats not always true thats why its very important for you to look over and understand your homeowners insurance policy consider scheduling a meeting with your insurance agent to ensure that your coverage is well suited to your needs many policies offer endorsement for backup of sewer and drain or overflow of a sump pit these are especially important to add to your policy if you have a finished basement many also