Kelly Huang Insurance Agency

If disaster hits, you can't be sure you'll collect enough to bring back the home you love. Here's what to do. If last fall's devastating California wildfires weren't enough of a wake-up call, consider this: Nearly 60% of homes nationwide don't carry enough insurance coverage to be fully rebuilt. On average those homes are underinsured by 21% To give yourself a chance of being made whole, follow these steps before and after disaster strikes.