">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.

You don’t have to be a Neanderthal – or Plato – to live in a cave. Humans resided in subterranean dwellings long before we invented trailer parks, condos and warehouse conversions.

Talk about green architecture! Talk about interior design! If you’ve ever prowled the American Southwest, you’ve doubtlessly observed how cool a cliff dwelling is during a scorching Arizona day. I lived in a cave on the island of Rhodes and never longed for electrical devices, heating or appliances. And now, you can buy the ultimate in cave homes just on the outskirts of Bisbee, Ariz.

Subterranean conversions feel just like home

Photo by Yahoo

This week, Yahoo reported on a 37-acre estate replete with a 2,890-square foot dwelling that includes a guest house, home office, and library. For $1.5 million you can take it all for granite.

Interior design for romantic primitives

Photo by The Seattle Times

An American photographer and her Turkish partner bought this lovely cave in Ortahisar, Turkey, and they outfitted the bedroom with a brass bed. They bought the cave for around $5,500, thereby forever avoiding Turkish window glass prices. Check out the story in the Seattle Times.

Going native

Photo by Inhabitat

Missouri is renowned for its sandstone caves. Here in Festus, Curt and Deborah Sleeper performed a mind-bending cave conversion into this 15,000-square-foot home that uses geothermal and passive solar energy. You won’t find a heater or air conditioner in the place!

Man-cave inside a cave

Photo by Underground Homes

If you love man caves, you’ll marvel at what the owner has done with this place in Coober Pedy, South Australia. Coober Pedy calls itself the “Opal Capital of the World” and more than half its residents live in underground homes.

Pass the SPF 5.