| Homeowners and business owners often | | | | by wind while the rest of the area has |
| wonder what types of insurance coverage | | | | been damaged by other effects of the |
| they have as it pertains to certain | | | | hurricane. |
| weather events. One particular weather | | | | If your home or business does suffer |
| event that often causes confusion with | | | | tornado damage it is important to get |
| homeowners is tornado events. | | | | with your insurance agent as quickly as |
| Most, and the emphasis here is on most, | | | | possible. There are some policies that |
| policies will cover homeowners and | | | | have time limits on reporting damage. |
| business owners for what are called wind | | | | This varies from one state to another. |
| events. Tornados are covered under the | | | | You should also know that when tornados |
| wind event listing. The best way to know | | | | happen, insurance companies will often |
| for certain if you are covered for this | | | | prioritize claims. Those who have |
| is to look at your policy. | | | | suffered total loss of their home or |
| It is very important for those | | | | business will be serviced first, |
| individuals who live in what is commonly | | | | followed by those with less damage. |
| called tornado alley to review their | | | | If possible, you want to document your |
| policies. Tornado alley is that part of | | | | damage. This can be done by taking |
| the US that runs north from Texas | | | | photos of the home and property. It is |
| through Nebraska and northeast to | | | | also a good idea to have an inventory |
| Indiana. There are other areas of the | | | | list of personal items that were either |
| country, especially in the South, that | | | | damaged or destroyed. You can submit |
| also experience tornados on a frequent | | | | this list for compensation. Whenever you |
| basis. The reason residents of these | | | | speak with an insurance representative, |
| areas want to ensure they are covered is | | | | make sure you jot down the name and the |
| because many insurance companies are | | | | topic of the conversation in case you |
| beginning to deny certain coverage | | | | need to refer back to that conversation |
| levels to high risk areas of the | | | | later. Also, if you have to stay in a |
| country. This reduction in coverage is | | | | motel or hotel, keep all of your |
| relatively new, which also makes it | | | | receipts, including those for meals. |
| important to review your coverage when | | | | It is unfortunate but true that |
| you renew or change your policy. | | | | predators often show up after a natural |
| Those who live in hurricane prone areas | | | | disaster. These people often come in as |
| will also want to check on their | | | | a construction or repair companies. It |
| coverage as it pertains to wind damage | | | | is important that you do not sign any |
| and tornados. A tornado does not have | | | | home repair contracts until you have had |
| the usual storm surge or the wide spread | | | | a chance to look into the company that |
| flooding that is a part of most | | | | is offering to do the work. Many |
| hurricanes. All of this can become a | | | | homeowners and business owners have lost |
| problem when hurricanes do happen and | | | | a lot of money to fraud during natural |
| certain homes and business are damaged | | | | disaster events. |