What You Need To Know About Tornadoes And Your Insurance Policy

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In the wake of a devastating natural disaster like a tornado, you may be left feeling lost and confused about what to do next. Navigating a crisis is never easy. However, understanding what to do immediately following a tornado or other severe weather event and knowing your homeowners and personal auto insurance policies in more detail can help you feel more confident in your ability to recover.

There were 1,143 tornadoes reported in 2022, according to the National Oceanic and Atmospheric Administration’s (NOAA) Storm Prediction Center. Most of them occurred in March, April, and May, with over 200 tornadoes in each of those months. However, tornados can happen year-round. There were at least 25 actual tornados reported each month from June 2022 to December 2022. NOAA’s 2023 preliminary reports currently show 913 tornadoes so far from January 1 to June 26.

With so many who have been or may be impacted by tornadoes, it’s important to be prepared in case a tornado damages your property and you need to file a claim.

Is Tornado Damage Covered by Homeowners Insurance?
Yes, most standard homeowners ...
... insurance policies do cover wind damage, rain damage, fallen tree damage, or similar damages because of a tornado. Your policy may even provide money to cover living expenses if you’re forced to move. Business insurance and renters insurance also provide coverage if the property sustains damage caused by a tornado.

Where you live can influence what additional insurance you might need—

If you live in a state or region that historically gets hit by many tornadoes, you may be required to buy wind and hail insurance separately.
Water damage that happens because of flooding is not covered by standard homeowners policies. If there’s a chance your property will flood, you might want to think about adding flood insurance.
What You Can Do:

Review your policy. Make sure you have coverage limits that can support the rebuilding of your home, in the unfortunate event that it’s a complete loss due to a tornado. Making a home inventory can help you figure out the type of coverages and amounts you need.

Would you like to discuss your homeowners insurance needs with a licensed professional? We can help you understand what you need, what you might want to consider, and where you can get the most affordable coverage. Give our agents a call today at (844) 358-5605 or answer a few simple questions to get started. Read more: About Tornadoes and Your Insurance Policy