Tornado Damage and Loss
Tornadoes leave a path of destruction in their wake, and can arrive with little or no warning. A tornado can completely annihilate a house or an office building in less than a second. Even those buildings that are not in the tornado’s direct path can suffer damage from the lightning and hail that accompany it. When this scale of property loss occurs, the insurance adjustment process can become long and complicated.
Since tornado damage is largely unpredictable, everyone should be aware that it could happen to them. All homeowners, renters, and business owners should make sure that they have coverage for tornado damage in their insurance policies. Knowing that you have comprehensive insurance coverage can help calm the chaos of a tornado’s aftermath.
Tornado Damage Preparedness Tips
There are areas of the country that are more prone to tornadoes than others. If you live in one of these areas, you should make sure that you are prepared for the insurance process in the result of a tornado.
- Written Home Inventory: Create a written inventory of all belongings- including purchase date and price.
- Video Home Inventory: Videotape or photograph all of the room of your home and your belongings. -
- Appraisal: Get a professional appraisal of antiques, jewelry and other items of value. Make sure to include close up photos of these items with your home inventory.
- Inventory Storage: Keep a copy of your home inventory and appraisals in a safe location such as a bank safety deposit box.
