It seems that the natural catastrophes period is now year-round. A record high statistics of tornadoes and floods have already caused billions of dollars of real estate destruction across the country in 2011. Come fall, predictors expect an uncommonly severe hurricane season. In addition, specialists believe wild weather is here to stay.

Consider homeowners insurance will cover your tab if your home is walloped by Mother Nature?

Even if your homeowner insurance is satisfactory it may not have the right coverage for the consequences you meet. There are major steps below to limit the damage.

The roof is a key defenselessness. You will spend 2 percent to 3 percent of your household’s value to securely strap down the roof to the walls and foundation. Spend $50 to $100 per hour to have a roofer secure loose shingles or flashing that an outburst of wind could pull loose. Also install roof clips to better connect your covering to the walls.

The garage door is another weak point. An impact-rated pressurized door will run you $1,300, but you can also retrofit your existing door with pressurized equipment, which will cost just $450 and provide reasonable protection.

You also need to insert additional barricades to prevent flying rubbish from crushing your windows. The economical choice: strong metal panels, which cost $60 per window but must be taken off by hand and stored when not in use.

Take the same measures to bolster your roof and windows, and spray closed-cell foam adhesive into the joints of your roof, which forms a waterproof barrier. Install a $500 to $1,000 backflow valve on your sewage pipe to prevent high water from sending sewage up into your bathtubs and sinks.

Check your policy’s payout. Your home’s market value may have declined, but that doesn’t mean you need less coverage. Your homeowner insurance should cover the cost of building a new home from scratch. It’s worth paying extra for guaranteed replacement coverage or an inflation guard, which protects against higher-than-expected rebuilding costs.

If you live in an area prone to a specific disaster, it’s worth paying for extra coverage to insure against it.