Coastal areas like Miami, New Orleans, and Houston are the likeliest to get hit by hurricanes, storm surge, and flooding, while areas with a significant rise of seismic activity—the West Coast and Hawaii—are the likeliest to experience earthquakes and tsunamis, according to NOAA. When hit by a natural disaster, homeowners are quickly faced with a difficult situation and hard decisions. Often they have lost possessions, a community, and their profession. In the worst cases they may have lost loved ones. During this harsh time, they will possibly have to fight with the insurer of their property for coverage.