Home coverage comes in handy as severe weather hits - KAIT Jonesboro, AR - Region 8 News, weather, sports

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.
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  • AR highways closed for high water

    AR highways closed for high water

    Wednesday, February 21 2018 6:59 AM EST2018-02-21 11:59:50 GMT
    Thursday, February 22 2018 11:59 AM EST2018-02-22 16:59:23 GMT
    (Source: Raycom Media)(Source: Raycom Media)

    As storms and rain move through this morning, damage and flooding reports are coming in from across the area.

    As storms and rain move through this morning, damage and flooding reports are coming in from across the area.

  • Crews used boats to help residents amid Midwest flooding

    Crews used boats to help residents amid Midwest flooding

    Wednesday, February 21 2018 1:55 AM EST2018-02-21 06:55:12 GMT
    Thursday, February 22 2018 8:10 AM EST2018-02-22 13:10:27 GMT
    (AP Photo/Orlin Wagner). A motorist stops to clear ice from his wipers along I-70 near Lawrence, Kan., Tuesday, Feb. 20, 2018. The area is under a winter weather advisory.(AP Photo/Orlin Wagner). A motorist stops to clear ice from his wipers along I-70 near Lawrence, Kan., Tuesday, Feb. 20, 2018. The area is under a winter weather advisory.

    Several states could see severe flooding and other weather-related problems amid a storm system that has brought rain, ice and snow to the Midwest and Great Plains.

    Several states could see severe flooding and other weather-related problems amid a storm system that has brought rain, ice and snow to the Midwest and Great Plains.

  • Firefighter uses personal canoe to rescue woman caught in floodwater

    Firefighter uses personal canoe to rescue woman caught in floodwater

    Thursday, February 22 2018 6:04 AM EST2018-02-22 11:04:42 GMT
    Thursday, February 22 2018 6:04 AM EST2018-02-22 11:04:42 GMT

    Firefighters managed to pull the woman to safety after 45 minutes in the water.

    Firefighters managed to pull the woman to safety after 45 minutes in the water.

(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>>

  • SEVERE WEATHER AWARENESS: Tornadoes

    SEVERE WEATHER AWARENESS: Tornadoes

    Source: ViewerSource: Viewer

    As part of the NWS’ Severe Weather Awareness Week, WAFB wants you to know more about: Tornadoes.

    As part of the NWS’ Severe Weather Awareness Week, WAFB wants you to know more about: Tornadoes.

  • Volcanic blast reshaped summit of Indonesia's Mount Sinabung

    Volcanic blast reshaped summit of Indonesia's Mount Sinabung

    Tuesday, February 20 2018 2:12 AM EST2018-02-20 07:12:16 GMT
    Thursday, February 22 2018 3:07 PM EST2018-02-22 20:07:08 GMT
    (AP Photo/Sarianto). School children walk as Mount Sinabung erupts in Karo, North Sumatra, Indonesia, Monday, Feb. 19, 2018. Rumbling Mount Sinabung on the Indonesian island of Sumatra has shot billowing columns of ash more than 5,000 meters (16,400 fe...(AP Photo/Sarianto). School children walk as Mount Sinabung erupts in Karo, North Sumatra, Indonesia, Monday, Feb. 19, 2018. Rumbling Mount Sinabung on the Indonesian island of Sumatra has shot billowing columns of ash more than 5,000 meters (16,400 fe...
    Volcanologists say the eruption of Indonesia's Mount Sinabung that shot ash 5 kilometers (3 miles) high also "completely annihilated" the mountain's summit.
    Volcanologists say the eruption of Indonesia's Mount Sinabung that shot ash 5 kilometers (3 miles) high also "completely annihilated" the mountain's summit.
  • Some fear California drought cuts could erase water rights

    Some fear California drought cuts could erase water rights

    Tuesday, February 20 2018 2:01 AM EST2018-02-20 07:01:58 GMT
    Thursday, February 22 2018 3:06 PM EST2018-02-22 20:06:56 GMT
    (AP Photo/Nick Ut, File). FILE - This Sept. 3, 2015, file photo shows a dried-out lawn at Los Angeles City Hall, with a sign explaining that irrigation has been shut off due to the ongoing drought. California water managers will vote Tuesday, Feb. 20, ...(AP Photo/Nick Ut, File). FILE - This Sept. 3, 2015, file photo shows a dried-out lawn at Los Angeles City Hall, with a sign explaining that irrigation has been shut off due to the ongoing drought. California water managers will vote Tuesday, Feb. 20, ...

    The restrictions would include prohibitions on watering lawns so much that the water flows into the street, using a hose to wash down sidewalks, or using a hose without an automatic shut-off nozzle to wash cars.

    The restrictions would include prohibitions on watering lawns so much that the water flows into the street, using a hose to wash down sidewalks, or using a hose without an automatic shut-off nozzle to wash cars.

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