subject: Does Your Homeowner Insurance Policy Cover Tornadoes? If not, Purchasing Tornado Insurance is a Must! [print this page] Does Your Homeowner Insurance Policy Cover Tornadoes? If not, Purchasing Tornado Insurance is a Must!
We have all seen the devastating effect of tornadoes. Wikipedia reports that there have been 381 confirmed tornadoes so far in 2010 in the United States alone. Although people living in the so called "Tornado Alley" are the most vulnerable, they can and do strike anytime at any place. This is precisely why having tornado insurance is a must for homeowners.
The time to protect your family, home, and personal property is not after disaster strikes. Rather you must prepare yourself beforehand. Don't assume that your homeowner's insurance automatically covers tornado damage. If you live in certain high risk areas, you may find that insurance companies are excluding certain coverages. A lot of times tornado damage is covered by the "wind damage" clause in your homeowner insurance policy but this may not always be the case. Even if you are covered, it may not be to the degree that you need. The way to know for sure is to contact your insurance agent.
As a first step, call and ask them if you are covered and if not, what types of coverages they have available. Next, take detailed photographs of the inside and outside of your home, preferably from different angles. This includes your ceilings, floors, windows, walls, roof, sheds, and garages. Doing so will help demonstrate their condition before any damage may occur. Take pictures of all your important valuables as well. Keep a list and save all your receipts.
Planning ahead and doing all your due diligence is the key to staying safe during tornado season. Don't delay and contact your insurance agent today. Be prepared and stay safe!
For more tips on how to stay safe during tornado season including what to look for and how to purchase a Tornado Insurance policy as well as what makes a solid Tornado Safe Room be sure to check visit our website online.
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