Talk with an agent, call the National Flood Insurance Program at 1-87, and/or visit about purchasing coverage. Be clear on how much you may have to pay.įlooding is not covered in a standard policy. It’s either a flat dollar amount or a percentage amount based on the home’s insured amount, not the damage amount. Most policies have a wind/hail deductible to pay before insurance coverage begins. Protection from an earthquake, flooding, sewer backup, and sinkhole damage, among other excluded risks that could be listed in your policy, often require the purchase of additional coverage.Īssess your roof repair/replacement deductible Engage an insurance agent to make sure you have adequate coverage amounts. Most damage to a structure and its contents caused by water (not flooding), hail, wind/tornado, lightning, fire, and explosions are generally covered by a standard property insurance policy after certain policyholder deductible payments are met. Consider an annual roof inspection for loose shingles, rotted wood, and leakage. Secure loose siding, roofing, gutters, and shutters that could break free and cause damage. So, if you back up to an external hard drive and store that at home with your home PC, that’s an onsite backup.COLUMBUS – September is National Preparedness Month and the Ohio Department of Insurance is providing insurance information to help Ohioans ensure they have adequate financial protections in place to avoid costly setbacks in the event disaster strikes. “Onsite” literally means backups stored at the same physical location as you. Why? Because you want both offsite and onsite backups. So which should you use? Ideally, you’d use at least two of them. RELATED: You're Not Backing Up Properly Unless You Have Offsite Backups So be careful when deleting those files if you might want them back! One Backup Isn’t Enough: Use Multiple Methods You can’t go back and recover a deleted file or the previous version of a file after this 30 day period. If you delete a file on your computer, it will be deleted from your online backups after 30 days. Depending on how much data you have, one could be cheaper than the other.īackblaze and Carbonite do have one big limitation you should keep in mind. And, while services like Dropbox are free for small amounts of space, Backblaze’s low price is for as big a backup as you want. Backblaze will keep multiple copies of different versions of your files, so you can restore the file exactly as it was from many points in its history. Dropbox is designed to sync your files between PCs, while Backblaze and similar services are designed to backup large amounts of files. While backup programs like Backblaze and cloud storage services like Dropbox are both online backups, they work in fundamentally different ways. Depending on the files you want to back up, this method can either be simpler or more complicated than a straight-up backup program. Cons: Most cloud services only offer a few gigabytes of space for free, so this only works if you have a small number of files you want to back up, or if you’re willing to pay for extra storage. Pros: This method is easy, fast, and in many cases, free, and since it’s online, it protects you against all types of data loss. If your hard drive dies, you’ll still have the copies of the files stored online and on your other computers. They’ll then automatically sync to your online account and to your other PCs. Rather than just storing your files on your computer’s hard drive, you can store them on a service like Dropbox, Google Drive, Microsoft OneDrive, or a similar cloud storage service. Use a Cloud Storage Service: Backup purists will say this isn’t technically a backup method, but for most people, it serves a similar enough purpose.Cons: These services usually cost money (see the next section for more details), and the initial backup can take much longer than it would on an external drive–especially if you have a lot of files. Pros: Online backup protects you against any type of data loss–hard drive failure, theft, natural disasters, and everything in between. If you ever lose those files and need them again, you can restore them. Backblaze is the well-known online backup service we like and recommend since CrashPlan no longer serves home users (although you could pay for a CrashPlan small business account instead.) There are also competitors like Carbonite-we also used to mention MozyHome, but it’s now a part of Carbonite. For a low monthly fee (about $5 a month), these programs run in the background on your PC or Mac, automatically backing up your files to the service’s web storage. Back Up Over the Internet: If you want to ensure your files stay safe, you can back them up to the internet with a service like Backblaze.
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