What Type of Coverage Will Pay for Tornado Damage?

A lot of homeowners don't take their time thinking about the kinds of risks that their homes and beach homes might face. This is a mistake, as you need to be able to think about what could harm your home and your belongings. You need to spend some of your time sitting down and looking at what kinds of things have damaged homes in your area in the past. One thing that homeowners need to consider is whether or not their policies are going to cover damage from tornadoes.

Although a lot of homeowners don't really know it, there are a lot of basic policies that are going to offer coverage for tornadoes. Since most companies classify the damage from tornadoes as wind damage, it's usually going to fall under a basic policy. However, this is not always going to be the case. As such, you need to make sure that you look at your policy and see what is going to be covered under you basic coverage. You may end up having to add a rider for this type of protection, but it could be well worth it.

Checking Your Coverage

If you want to know if your basic policy will cover damage from tornadoes, then you need to get on checking your policy. You can usually find this kind of information on the front page, so you might want to take a look at the declarations page to see. Usually, this is going to be a prominent part of your policy, and it's going to be right at the very forefront. Everything should be spelled out here for you, so you should check it first to find out what is covered. If it is not spelled out, then you may need to take other actions.

One thing that you may want to do to find out about what part of your policy will pay for tornado damage is to call up your agent and talk about it. Agents are skilled at handling these kinds of questions, so it's a good idea for you to speak with one as soon as you can. If you are living with the impression that your basic policy does cover tornado damage and it does not, then you could be in for a real surprise later. You could be forced to deal with thousands of dollars in damages.

Making a Claim

If your home has been damaged by a tornado and you want to make a claim, then you're going to need to be as thorough as you possibly can. Tornadoes can end up doing some significant damage to homes, so you'll need to make sure that you accurately note all of this. When you have to make your claim, your insurer may ask you for a description of the damage as well as some photos of the damage. The more information that you can provide, the better off you are going to be in the long run.

Once you have found out what type of coverage will pay for tornado damage, you should have no problem deciding if you need to file a claim or not. One thing to keep in mind when you do file a claim is that you can't expect to get instant results. It may end up taking a really long time for things to get filed, especially if you do not have all of the information that you need to make a good claim. You'll want to be really patient as you wait for your check.

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What People Are Saying

"We found your site and changed policies after paying a huge deductible when a storm layed a tree in our living room. Our new deductible is almost 30% less and our monthly payment also went down. Thanks!"

- Sharon and Lewis K, St Louis MO