How much insurance does it take to prevent a building collapse?

Question

Tornado/hurricane, or something is coming towards your house, and you have time to go out and buy more insurance to protect you and your Family. How much do you buy, to prevent the house from collapsing to the tornado/hurricane, and not fall on you/your Family?

Answer 1

If you're trying to make a point, you're going the long way around the barn to do it.

Answer 2

Insurance doesn't prevent anything from collapsing.

Answer 3

Insurance doesn't prevent anything.  Insurance doesn't do maintenance.  Insurance pays AFTER the loss, if the collapse is due to a covered cause of loss.

And, faulty premise - once the tornado is sighted, you cannot buy more insurance.  Same with hurricanes - as soon as one forms in the gulf, the insurance companies send out faxes/emails to all the agents, suspending binding authority until the risk has passed.

Answer 4

No insurance can be purchased if a storm is eminent.

If a hurricane forms anywhere and may threaten land, insurance cannot be purchased.

Insurance will pay for replacement of a building, but there's no way it can be prevented.