The recent floods in Calgary and fires in Arizona makes me glad to be living in boring Toronto. I don’t imagine it is easy to not know when you can go home again and if home will be there when you arrive.

This might be a good time as any to think of an alternate plan for your self and your family if anything happens -flood, fire, or zombie invasion.

Check to see what your house/property insurance covers – replacement value, is there a cap? hotel stays if so for how long. Make sure that your insurance will cover a range of potential circumstances (flood, fire, hurricanes -especially if you live in a region susceptible to these types of weather events).

Put these and other important documents somewhere safe and waterproof, and make a copy to be kept off-site.