Though natural disasters are rare, they can and do happen. Floods, freak storms, and high winds have hit the UK in recent years. Natural disasters are not preventable, but if you are a property owner or a landlord, then you need to be aware of the different measures you can take to minimise their negative consequences and to be prepared in case of an emergency that may arise during a natural disaster.

Changing global weather patterns have seen a rise in freak weather events not just in the UK, but also around the world. The damage caused by just one natural disaster can be vast in terms of human suffering and the cost of repairing the damage. Home insurance and home emergency insurance are vital for ensuring that in the event of a natural disaster, you will be able to rebuild your home and/or replace its contents. It can provide a measure of peace of mind in the midst of an emotionally stressful time.

There are a range of home insurance options that will cover the structure of your home and its contents. The following helpful guide can assist you in understanding the types of home insurance cover available.

Buildings insurance covers damage to the structure of your home. It can also cover damage to outbuildings, fences and gates and some kitchen and bathroom fixtures. Speak to your insurer about the amount of cover you need in the event of a natural disaster.

Contents insurance covers your home contents and can include furniture, carpets, personal possessions and garden items. What you are covered for is detailed in the terms and conditions of your insurance policy. Read it carefully so that you know exactly how much cover you have and what it includes. Some policies exclude clothing.

Landlord’s insurance protects a landlord against rent defaulters or property damage, which may result if the tenants are adversely affected by any natural disasters. Whether a flood, storm, lightning, fire, explosion or earthquake, being prepared and knowing how to deal with a disaster is vital to staying safe and for ensuring the safety of your tenants.

Make up an emergency kit and advise your tenants to do the same. Keep it in a waterproof bag in a place you can get to it quickly in the event of an emergency.

The emergency kit should include:

• Personal documents

• First aid kit

• Essential medication

• Torch with spare batteries

• Portable radio with spare batteries

• Warm clothing

• Blankets

• Rubber boots and gloves

• Cleaning equipment

• Disinfectant and detergent

• Heavy duty refuse bags

Make sure your home and rental property is well maintained. Clear out the gutters at least once a year. Repair any damage to tiles or brickwork, weak spots in a storm can cause more damage to your home. Some insurance companies do not cover loss or damage to hedges, gates or fences by falling trees, branches or a flood. So make sure you cut back your trees when necessary to limit any potential damage caused by a natural disaster.