Property

Natural Disasters in India and their Impact

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India is an altogether different world within itself. Right from the places that receive heavy rainfall to the places with dry climate and desert regions, we have it all in our diverse nation. We have places such as Jammu and Kashmir, Srinagar and Himachal Pradesh that receive snowfall. On the other hand, we have southern states such as Kerala and Tamil Nadu wherein the climate is largely hot and humid.

The diversity that is present territorially makes India a very rich and colorful nation on a multitude of levels. Owing to such diversity in climate and natural conditions, the way people live and go about their lives varies on similar lines as well. Speaking in terms of the globe, India enjoys a good position strategically too. We have the Bay of Bengal and the Arabian Sea to the east and west respectively. While in the south, the land is flanked by the Indian Ocean. Due to such topography, Indian peninsula has acquired a distinct identity and thus is often referred to as the ‘Indian Subcontinent’.

Today, speaking globally, we have different natural calamities or disasters that different nations have to face. Some of them are hurricanes, tornado, earthquakes, Floods, tsunamis, heavy rain, snowfall and so on. While Japan is a nation that is greatly affected by earthquakes, the United States and the North American continent is frequently hit by hurricanes and tornadoes. Heavy snow is witnessed in countries that belong to the Northern Hemisphere close to the Arctic Circle.

When it comes to India, natural calamities such earthquakes, floods and tsunamis are faced by certain areas of the country. While certain parts experience minor tremors (especially the northern areas), there have been a few major earthquakes of a high magnitude that have caused severe loss of life and property. Some of the major earthquakes were those that occurred in Kutch, Gujarat and Latur, Maharashtra in 2001 and 1993 respectively. As per a study, around 58.6 percent of the country’s area is susceptible to earthquakes of moderate to high magnitudes. Next, the tsunami that hit the southern coast in 2004 caused great destruction as well. After earthquakes and tsunami, floods are something that has wreaked havoc in the past. The best or rather the worst were the floods that occurred in Mumbai on 26 July 2005 due to heavy downpour. It caused the financial capital to come to a standstill for nearly two days.

Considering how susceptible we are to a number of natural calamities, it is essential that we safeguard our homes from these threats. While the occurrence of these disasters is beyond human control, having a contingency plan when they occur definitely is. The best way to go about this is buying a home insurance policy that secures your home against a number of perils. With a household insurance, you secure total peace of mind. Home insurance in India covers the structure as well the contents of the house. This proves very useful since calamities like floods and earthquakes cause severe damage to expensive electronic gadgets and other valuables.

Last but not least, it is advisable that you go with a property insurance provider that offers both types of coverage. This will help you save on the premium amount. Also, before buying, make sure you go through the list of exclusions in order to avoid any last minute surprises.

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