DEALING WITH THE IMPACT of a natural disaster such as a hurricane, fire or earthquake can be stress-inducing and traumatic. And though policyholders tend to expect insurance companies to seamlessly fix any natural disaster-related destruction once a claim is filed, that’s not always the case. In fact, consumers often make filing mistakes that cost them thousands of dollars. Without carefully reading the fine print, you may be underinsured or need to pay for coverage out of pocket.