In the weekend edition of the Wall St. Journal there is an article titled “Don’t Wait for Disaster to Strike.” The subtitle is:These days, when catastrophes occur, insurance coverage can be limited – and homeowners ofter bear more the costs. Here is how to contain the damage.
You may have to subscribe to the paper to get the full story. But there is a interesting map of Disasters in the U.S., 1984-2013, that accompanies the article.
Recovery Diva 
Home insurance in New Zealand has almost doubled in cost since the Canterbury Earthquakes in 2010-11. The Christchurch City Council was badly advised by its broker and was significantly underinsured and has yet to get even 50% of the payouts it expected. The taxpayer will have to pay the shortfall.
Business interruption insurance is also a tricky issue, there are so many clauses and conditions that many folk are not covered as they would wish. Few also appreciate that insurance may transfer some of the financial risk, but in a disaster the payouts can be very slow and businesses may not survive the wait.
Excellent post. Not only is homeowners insurance rising but so is automobile coverage. According to our agent, both are rising due to recent disasters. Even with high deductibles, no claims, and a low ISO rating the cost of homeownership is certainly getting more expensive.
Doug
Little Rock, AR