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