We have all seen the devastating effect of tornadoes. According to Wikipedia, 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. For starters, never assume that your homeowner’s insurance automatically covers tornado damage. Many insurance companies are now excluding certain coverages in high risk areas. While tornado damage is generally covered under “wind damage” in your insurance policy, 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!