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  1. Insure your home for its full replacement value to make sure you have enough coverage to restore the home in the event of a total loss. Remember to include recent improvements you’ve made to your home.
  2. Do you live in an area prone to hurricanes? Reinforce your garage doors and tracks. Have storm shutters to covers large windows and doors.

    Galveston, Texas, September 30, 2008 - This ho...

    (Photo credit: Wikipedia)

  3. Prevent water damage. Replace standard hoses on your washing machine, ice makers and dishwashers with flexible reinforced hoses.
  4. Keep your roof maintained to prevent water leaks.
  5. Check your water heater annually for rust and cracks.
  6. Make your home fire safe. Install working smoke alarms on every level of your home and adjacent to sleeping areas. We found out recently that not only should your batteries be replaced every year but the entire smoke detector until should be replaced every ten years.

    Smoke detector

    (Photo credit: Wikipedia)

  7. Keep the exits to your house unobstructed and easy to use and practice evacuating your home with your family. Know at least two ways out of every room, if possible.
  8. Be ready for wildfires. Create a survivable space, an area of reduced fuels between your home and the woodland.

    English: "Elk Bath" – A wildfire on ...

    (Photo credit: Wikipedia)

  9. When building a new home use fire resistant building materials and construction techniques.
  10. Go to and enter your zip code on an interactive map to see what risks you face in your area. I was surprised to find that we are actually have several risks we could face in our area, flooding, thunderstorms, winter weather, fire and water damage (plumbing).Screen Shot 2016-03-16 at 8.00.51 AM

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