Tornado Damage: Am I Covered Under My Homeowners Policy?

Tornado season is in full swing. Tornadoes occur most frequently from March until June. While they are more common in the central United States, they can occur almost anywhere in North America, including in large cities. At least one tornado has been recorded in every state. Tornadoes can strike with little warning, but with today’s technology meteorologist are now able to predict tornadoes faster and more accordingly.

A tornado is a violently rotating column of air extending from the base of a thunderstorm down to the ground. Powerful tornadoes have the capability to destroy almost any structure within minutes. This means that homes, property, businesses, cars, and anything you own can be lost and/or destroyed when a tornado hits. Designate a safe room in your home to go to when you have been alerted that a tornado is approaching. The safest place is underground in a basement or room with no windows. If you have been affected by tornado damage take pictures of property and its damage for insurance claims purposes. Damage caused by tornadoes is covered under standard homeowners and business insurance policies, as well as the optional comprehensive portion of an auto insurance policy. If in the future you are a victim of tornado damage, contact your insurance agent immediately.

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