By now, we have seen the devastating effect of tornados. There were 897 confirmed tornados in 2014 that occurred in the U.S. alone. Although people living in Tornado Alley are the most vulnerable, they can and will 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 – it should be BEFORE the disaster. First things first. You should never assume that your homeowner's policy automatically covers tornado damage. Many insurance companies exclude certain coverages in high risk areas. While tornado damage is generally covered under "wind damage" in your policy, this may not always be the case. Even if you are covered, it may not be to the degree that you need. In order to find out, you must contact your agent.
Give them a call and ask if you are covered. If not, inquire as to what types of coverages they offer. Next, take detailed photos of the inside and outside of your home, preferably from different angles. Make sure to include ceilings, floors, windows, walls, roof, sheds and garages. Doing so will help demonstrate their condition before any damage has occurred. Also, take pictures of all your important valuables. Keep a list and save all your receipts!
Planning ahead and doing your due diligence is the key to staying safe during tornado season. Don't delay and contact your insurance agent today!