Will Homeowner’s Insurance Cover Tornado Damage Caused by Spring Storms?

8/4/2021 (Permalink)

Ensure your home is protected. Any season. Any time.

Tornadoes can occur at any time of year, but the peak of tornado season is May and June. When the warm, moist air from the Gulf of Mexico meets with the cool, dry air from Canada, severe thunderstorms and tornadoes are likely to occur.

If a tornado were to touch down and damage your home, do you know if your homeowner’s insurance would cover the damages? It’s incredibly important to know, preferably before any such event happens. 

Because insurance policies vary, it’s hard to say whether your homeowner’s insurance policy does or does not cover tornado damage. The best action you can take is to meet with your insurance agent to discuss the details of your insurance policy. 

When you meet with your agent, make sure that your policy does indeed cover damage caused by windstorms. Not all policies do. The next factor to check is if you’re underinsured. Ask your agent whether your policy includes language about inflation adjustment. With the increasing prices of construction materials, this is important. 

The worst thing that can happen in a scenario where your home is damaged by a tornado is to find out that your home is covered for an amount significantly less than what is needed to fix or rebuild your home. 

Avoid this nightmare by speaking with your insurance agent today.