Tornado Damage Claims
Tornados can leave complete devastation in their wake. A tornado is classified as a wind event in your homeowners insurance policy. Most homeowners insurance policies cover damage to your property and personal items from a tornado. We recommend you read through your policy to determine if there is a separate wind deductible that could include tornado damage. This separate deductible requires policyholders to pay a sum out of pocket before their insurance pays for the claim.
In the event your home is unlivable after a tornado, relocation or temporary housing expenses may be covered under your insurance policy. You should review your insurance policy to determine the extent of your coverage. If your insurer is delaying or denying your payment, contact Insurance Claim Advocates, LLC to allow us to assist with your claim.
If Your Home Has Been Damaged By A Tornado
- Secure any items or furniture that are not attached to the property.
- Store any important documents in a safe place.
- Prepare with your family and have a safety and/or evacuation plan in place.
- Keep a battery-operated flashlight and radio.
- Survey the damage to your property and be sure to document with photographs.
- Review your insurance policy to determine what level of coverage you have.
- Contact your insurer to file a claim.
- Consider working with a public adjuster or damage assessment expert to obtain a report on the extent of damage.