Disasters may strike at anytime. From fires to flood or hurricane damage, it is virtually impossible to predict when extreme weather will cause damage to a building or when an accident will happen. Building owners who have experienced the devastating effects of a natural disaster know the great expense that is involved with repairing damaged building structures and other personal property. Therefore, it is better to be prepared with adequate insurance coverage than to risk being required to make a substantial investment in repairing and rebuilding after the proverbial storm.