Home coverage comes in handy as severe weather hits - News, Weather, Sports, Toledo, OH

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.
  • Deadly fires in CaliforniaMore>>

  • Winds ease but deadly wildfires endure in Southwest US

    Winds ease but deadly wildfires endure in Southwest US

    Wednesday, April 18 2018 2:34 PM EDT2018-04-18 18:34:57 GMT
    Wednesday, April 18 2018 6:16 PM EDT2018-04-18 22:16:44 GMT
    (Jim Beckel/The Oklahoman via AP). In this Tuesday, April 17, 2018, heavy smoke billows from burning trees after a wildfire broke out in a farm field along US Highway 183 about 10 miles south of Seiling, Okla.(Jim Beckel/The Oklahoman via AP). In this Tuesday, April 17, 2018, heavy smoke billows from burning trees after a wildfire broke out in a farm field along US Highway 183 about 10 miles south of Seiling, Okla.
    Firefighters are battling massive wildfires that have destroyed homes and other buildings in parts of Colorado, Kansas and Oklahoma.More >>
    Firefighters are battling massive wildfires that have destroyed homes and other buildings in parts of Colorado, Kansas and Oklahoma.More >>
  • String of fires wear on Jackson Co. departments

    String of fires wear on Jackson Co. departments

    Tuesday, April 17 2018 12:26 PM EDT2018-04-17 16:26:00 GMT

    Firefighters in Jackson County battled fires in the area for their fourth day straight and for some departments, their fifth day straight. 

    More >>

    Firefighters in Jackson County battled fires in the area for their fourth day straight and for some departments, their fifth day straight. 

    More >>
  • Oklahoma wildfires kill 2; threat nears historic level

    Oklahoma wildfires kill 2; threat nears historic level

    Monday, April 16 2018 4:57 PM EDT2018-04-16 20:57:57 GMT
    Tuesday, April 17 2018 8:12 AM EDT2018-04-17 12:12:56 GMT
    Weather service meteorologist Doug Speheger said Tuesday's forecast represents the most potential for the spread of wildfires in the past 10 years of a database that considers a variety of factors.Weather service meteorologist Doug Speheger said Tuesday's forecast represents the most potential for the spread of wildfires in the past 10 years of a database that considers a variety of factors.

    Wildfires that have killed two people in western Oklahoma are nearing conditions the National Weather Service hasn't seen in at least a decade because of the mixture of high temperatures, low humidity and heavy winds.

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    Wildfires that have killed two people in western Oklahoma are nearing conditions the National Weather Service hasn't seen in at least a decade because of the mixture of high temperatures, low humidity and heavy winds.

    More >>
  • FloodsMore>>

  • Passing motorist rescues woman trapped in Montana flood

    Passing motorist rescues woman trapped in Montana flood

    Thursday, April 19 2018 8:22 PM EDT2018-04-20 00:22:56 GMT
    Thursday, April 19 2018 8:36 PM EDT2018-04-20 00:36:55 GMT
    A witness is recounting the dramatic rescue of a woman trapped on top her vehicle surrounded by rushing floodwaters in northern Montana.More >>
    A witness is recounting the dramatic rescue of a woman trapped on top her vehicle surrounded by rushing floodwaters in northern Montana.More >>
  • Snowmelt floods roads, fields in much of northern Montana

    Snowmelt floods roads, fields in much of northern Montana

    Wednesday, April 18 2018 6:41 PM EDT2018-04-18 22:41:48 GMT
    Wednesday, April 18 2018 8:17 PM EDT2018-04-19 00:17:11 GMT
    (Ryan Welch/Havre Daily News via AP). Ben Miller looks at the sand bags around the house he owns as water runs over South Main Street in Harlem, Mont., Tuesday, April 17, 2018. The sand bags, all 235 of them, go around the house he rents to Jeff Werk w...(Ryan Welch/Havre Daily News via AP). Ben Miller looks at the sand bags around the house he owns as water runs over South Main Street in Harlem, Mont., Tuesday, April 17, 2018. The sand bags, all 235 of them, go around the house he rents to Jeff Werk w...
    Snowmelt is washing out roads, flooding fields and spilling rivers and streams over their banks in much of northern Montana.More >>
    Snowmelt is washing out roads, flooding fields and spilling rivers and streams over their banks in much of northern Montana.More >>
  • Rescue crews airlift hundreds stranded after Hawaii storm

    Rescue crews airlift hundreds stranded after Hawaii storm

    Tuesday, April 17 2018 11:01 PM EDT2018-04-18 03:01:23 GMT
    Wednesday, April 18 2018 1:15 AM EDT2018-04-18 05:15:00 GMT
    (Courtesy of Hawaii Governor's Office via AP). In this Monday, April 16, 2018, photo provided by the Office of the Governor, Hawaii, Hawaii Gov. David Ige, left, flies over the flood-damaged areas of the island of Kauai. Heavy rains on Kauai let up on ...(Courtesy of Hawaii Governor's Office via AP). In this Monday, April 16, 2018, photo provided by the Office of the Governor, Hawaii, Hawaii Gov. David Ige, left, flies over the flood-damaged areas of the island of Kauai. Heavy rains on Kauai let up on ...
    Hundreds of people have been airlifted out of dangerous floodwaters on the Hawaiian island of Kauai, but authorities said Tuesday that others are still stranded at evacuation centers.More >>
    Hundreds of people have been airlifted out of dangerous floodwaters on the Hawaiian island of Kauai, but authorities said Tuesday that others are still stranded at evacuation centers.More >>
  • TornadoesMore>>

  • WATCH: Tornado caught on police dash cam in AL

    WATCH: Tornado caught on police dash cam in AL

    Sunday, April 22 2018 11:23 PM EDT2018-04-23 03:23:58 GMT
    Sunday, April 22 2018 11:23 PM EDT2018-04-23 03:23:58 GMT
    Foley, AL, is about 45 minutes southeast of Mobile. (Source: Foley Police Department/CNN)Foley, AL, is about 45 minutes southeast of Mobile. (Source: Foley Police Department/CNN)

    The tornado left several RVs overturned and police are checking into other damaged buildings.

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    The tornado left several RVs overturned and police are checking into other damaged buildings.

    More >>
  • Spring storm spawns tornado that kills 1, dumps heavy snow

    Spring storm spawns tornado that kills 1, dumps heavy snow

    Monday, April 16 2018 6:40 PM EDT2018-04-16 22:40:29 GMT
    Monday, April 16 2018 6:44 PM EDT2018-04-16 22:44:03 GMT
    (Joseph Rodriguez/News & Record via AP). Wooddale Lane is blocked by a tree the day after a tornado devastated the eastern portion of the city Monday, April 16, 2018, in Greensboro, N.C.(Joseph Rodriguez/News & Record via AP). Wooddale Lane is blocked by a tree the day after a tornado devastated the eastern portion of the city Monday, April 16, 2018, in Greensboro, N.C.
    A mid-April storm that pushed across the U.S. created a tornado in the South that killed a person, coated the Upper Midwest with 2 feet of snow and eventually soaked the Northeast with rain.More >>
    A mid-April storm that pushed across the U.S. created a tornado in the South that killed a person, coated the Upper Midwest with 2 feet of snow and eventually soaked the Northeast with rain.More >>
  • Texas, Oklahoma, Kansas facing tornado and wildfire threats

    Texas, Oklahoma, Kansas facing tornado and wildfire threats

    Saturday, April 7 2018 12:27 PM EDT2018-04-07 16:27:57 GMT
    Thursday, April 12 2018 6:28 PM EDT2018-04-12 22:28:45 GMT
    (AP Photo/Alonzo Adams. File). FILE - In this Monday, May 20, 2013 file photo, a tornado moves past homes in Moore, Okla. Emergency officials in Oklahoma, Texas and Kansas are bracing for the start of what's historically the most active time of year fo...(AP Photo/Alonzo Adams. File). FILE - In this Monday, May 20, 2013 file photo, a tornado moves past homes in Moore, Okla. Emergency officials in Oklahoma, Texas and Kansas are bracing for the start of what's historically the most active time of year fo...
    Emergency officials in Oklahoma, Texas and Kansas are bracing for the start of what's historically the most active time of year for tornadoes while also facing wildfire threats because of severe drought conditions.More >>
    Emergency officials in Oklahoma, Texas and Kansas are bracing for the start of what's historically the most active time of year for tornadoes while also facing wildfire threats because of severe drought conditions.More >>

(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>>

  • Volcano in southern Japan erupts for 1st time in 250 years

    Volcano in southern Japan erupts for 1st time in 250 years

    Friday, April 20 2018 2:24 AM EDT2018-04-20 06:24:25 GMT
    Tuesday, April 24 2018 12:31 AM EDT2018-04-24 04:31:39 GMT
    (Kyodo News via AP). CORRECTS YEAR - In this April 19, 2018, photo, volcanic smoke billows from Mt. Io, foreground, part of the Kirishima mountain range on Japan’s southern main island of Kyushu, taken over Ebino city, Miyazaki prefecture. The Meteorol...(Kyodo News via AP). CORRECTS YEAR - In this April 19, 2018, photo, volcanic smoke billows from Mt. Io, foreground, part of the Kirishima mountain range on Japan’s southern main island of Kyushu, taken over Ebino city, Miyazaki prefecture. The Meteorol...
    A volcano in southern Japan has erupted for the first time in 250 years, and the authorities have set up a no-go zone around the mountain.More >>
    A volcano in southern Japan has erupted for the first time in 250 years, and the authorities have set up a no-go zone around the mountain.More >>
  • WATCH: Tornado caught on police dash cam in AL

    WATCH: Tornado caught on police dash cam in AL

    Sunday, April 22 2018 11:23 PM EDT2018-04-23 03:23:58 GMT
    Sunday, April 22 2018 11:23 PM EDT2018-04-23 03:23:58 GMT
    Foley, AL, is about 45 minutes southeast of Mobile. (Source: Foley Police Department/CNN)Foley, AL, is about 45 minutes southeast of Mobile. (Source: Foley Police Department/CNN)

    The tornado left several RVs overturned and police are checking into other damaged buildings.

    More >>

    The tornado left several RVs overturned and police are checking into other damaged buildings.

    More >>
  • Passing motorist rescues woman trapped in Montana flood

    Passing motorist rescues woman trapped in Montana flood

    Thursday, April 19 2018 8:22 PM EDT2018-04-20 00:22:56 GMT
    Thursday, April 19 2018 8:36 PM EDT2018-04-20 00:36:55 GMT
    A witness is recounting the dramatic rescue of a woman trapped on top her vehicle surrounded by rushing floodwaters in northern Montana.More >>
    A witness is recounting the dramatic rescue of a woman trapped on top her vehicle surrounded by rushing floodwaters in northern Montana.More >>
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