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How do I know if I’m covered for tornado damage?
A: Tornado coverage can be complex, as most people’s insurance policies cover damage from an Act of God; however, if you live in an area that is susceptible to tornadoes, then your homeowner’s insurance policy may exclude coverage for tornado damage.
As experienced hail damage insurance claim attorneys, our law firm recommends that you read your insurance policy and if you still aren’t sure if you are covered for tornado damage then call your insurance agent. You may have to purchase a separate rider to cover damage that occurs from wind and hail due to a tornado.
In addition to checking if you are covered for tornado damage, you should also look at how much you are covered for. Many people don’t have adequate coverage anymore, as they bought their homes a long time ago and purchased enough insurance at that time. However, the costs of labor and materials have gone up. So, if your home was destroyed in a tornado and you needed to rebuild it, you may not have enough coverage anymore.
Most homes are underinsured and only have enough coverage to rebuild about 80 percent of the home. Because of this, we urge you to review your policy to determine your coverage today. Also, if you are a renter, you are not off the hook. Renters need to make sure they are covered and have enough coverage for their personal belongings in the event of a tornado.
If you still aren’t sure how much coverage you have or if you are covered for tornado damage, please feel free to call a knowledgeable hail damage insurance claim attorney at the Voss Law Firm to help you determine your coverage at 866-276-6179 in a free consultation today.