When the flood waters in Iowa recede, the thousands of residents who were evacuated finally will be allowed to return to their homes to survey the damage. Some Cedar Rapids residents who were allowed to go home briefly Sunday to gather belongings reported that the destruction was overwhelming. Hopefully, most will be able to take comfort knowing insurance will cover the damage.

But, the fact is, many will discover -- as victims of Hurricane Katrina and recent tornadoes in the Midwest did -- that they don't have enough coverage or the right kind. That's why it is essential to make sure you have the insurance you need and an emergency plan before disaster strikes. Plus, you need to know what steps to take after a storm. The stories below will help you prepare.

PREPARING FOR DISASTER

Why You Need Flood Coverage
Your homeowners policy won't protect you if you're a victim of flooding -- but the federal government's program will.

Safeguard Your Home Before a Storm Strikes
Take these steps now to protect your house and valuables -- plus, what to do after disaster hits.

When Disaster is at Your Doorstep
Follow these five steps to protect your home and possessions.

Six Steps to Protect Your Home
With storm season upon us, now is the time to make sure you have the insurance coverage you need.

COPING AFTER A DISASTER

When Disaster Strikes
Follow these tips to ensure your policy pays when you need it.

Protection After the Storm
Do you know what your homeowners insurance covers? It won't pay to clean up flood damage, but you may be able to claim more than you think.

Make Your Insurer Pay
Katrina veterans tell how they staked their claims and got their cash.

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POSTED BY: Karen (June 18, 2008 08:21 AM)
We're praying for you...

POSTED BY: Ellen (June 24, 2008 09:34 AM)
We lost our home during Hurricane Isabel in 2003. We had full flood coverage...(but the insurance company) refused to pay us for coverage we paid for. It was a nightmare of paperwork for years and is still unresolved....

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