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