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If a storm or other natural disaster occurs in your area, you may not have immediate access to help. According to the U.S. Federal Emergency Management Agency, keep a disaster preparedness kit in your home with enough essentials to sustain your family for at least 72 hours. Put this in an easily accessible location to have it handy in case anything unthinkable happens.

Hail damage on a tile roof looks like chips, cracks, and dents. Some roof tiles may break off entirely in harsh hailstorms. Hail can cause tile shingles to shift and loosen, leading to less protection from water and the elements. Loose tiles can also pose a safety risk to people, pets, and property below.

Homeowners insurance may cover basement flooding, but only if a covered peril causes it. For example, a burst pipe may be covered if the event was sudden and accidental, not caused by wear and tear or homeowner neglect. Flooding caused by extreme weather is only covered if you have a separate flood insurance policy.

A hurricane can take down a house, but most well-built modern homes can withstand an average hurricane. Houses are more likely to fail during strong hurricanes and if they’re older, poorly built, or already have structural problems. Strong winds can blow off weak points like the roof and windows, giving the hurricane winds an opening to do more damage. Walls may also collapse under the force of high winds and pressure.