">HomeOwnerNut

We’ve learned from Katrina and tornadoes in Joplin and Tuscaloosa that natural disasters are no joke. There are still parts of those cities that still look like they were carpet combed. You see empty lots where the owners lacked the money to rebuild or just up and moved from communities vulnerable to nature’s fury.

These photos got me to thinking about homeowner’s insurance and coverage for nature’s angry outbursts. Thanks to Pamela Stevens of TopTen Reviews, I have the skinny for you.

Ugly outcome when the earth roars

Photo by USGS

In 1971, a magnitude 6.7 quake threw me out of bed, across the room, and dropped a bookcase on me. We were luckier than many in the San Fernando Valley. Stevens writes that if you have private homeowner’s insurance, you can add earthquake endorsements. If you live in California, the California Earthquake Authority offers coverage.

Twister assister

Photo by Richmond Times-Dispatch

Even if you live where this is a common sight, you can buy tornado coverage as part of your homeowner’s policy. Make sure you get repair coverage for hail, which typically shows up at the same time to hammer dings into even the best vinyl siding.

Surf’s up

Photo by Freak Waves

Don’t assume your homeowner’s insurance will cover damage from flooding. Stevens says you must secure a policy purchased through the National Flood Insurance Program.

Crispy creamed

Photo by Premier Choice Restoration

You can get fire damage endorsements throughout the country – unless you live in a high-risk area or a long way from the nearest fire station. Stevens says insurance companies can refuse you coverage. To find out if you live in a high-risk zone, check with The National Interagency Fire Center.

DOH!

Photo by Indy Media

Sad to say, most insurers will not offer coverage for radiation damage if you live near a nuclear power plant. Perhaps you should consider using lead when evaluating replacement windows.

For all their centuries-old practicality, lighthouses remain among the most romantic architecture of the human imagination. Lighthouses have lined American ocean shores and the rocky outcroppings of the Great Lakes since the 17^th Century. Alas, with the advancement of GPS maritime systems, shipping can find its way around dangerous shoals in pitch dark.

Now, many lighthouses have fallen into disrepair and the lights staffed throughout American history by the Coast Guard are crumbling into the sea. In 2000, Congress enacted the National Historic Lighthouse Preservation Act, putting some 200 American lighthouses up for adoption.

Lighthouse conversions are still a romantic notion, but the need to repair or retrofit many of the unique buildings in disuse has limited the transfer so far to only 76 of the lights. Most are made into residential conversions.

Lighthouse conversion, make offer

Photo-by-Daily-Caller

The Frankfort North Breakwater Lighthouse is a great buy for those who love doing laundry naturally and for its winding staircase. It comes with a great vista of Lake Michigan. You may want to order a new set of storm windows.

Amazing house exteriors on Lake Superior

Photo by Michigan Light House

Built in 1896, the Big Bay Light Point, a seven-bedroom complex on 33 acres in Michigan’s Upper Peninsula, was turned into a bed and breakfast in the 1980s. It originally cost $25,000 to construct the light and compound. While not part of the Coast Guard surplus, it is for private sale now with a $999k asking price. Pretty sweet spot, isn’t it?

Light housekeeping required

Photo by NJ Star Ledger

For those who prefer the Jersey Shore, the Romer Shoal Light Station is located just north of Sandy Hook. Be warned: it needs some work. The tower is said to be rusting and the windows are broken. You should fit the place with thermal windows before you move in. Under  the Coast Guard terms, the lighthouse is “made available at no cost to eligible entities defined as Federal agencies, state and local agencies, non-profit corporations, educational agencies, or community development organizations for educational, park, recreational, cultural or historic preservation purposes.“ Read more about it at Lighthouse Friends.

And honey, I’ll leave a light on for you.