Tornado Insurance

The National Weather Service reports an annual average of 1,200 tornados kill about 60 Americans, injure another 1,500 and cause more than $400 million in damage. Preparing your family and home to help protect against tornado devastation provides peace of mind. Readying your finances, including securing disaster insurance, may help when weathering the aftermath of storms and is another key element of tornado preparedness.

We atPaydayLoansCashAdvance have organized essential tornado preparedness and tornado insurance information. Being prepared for a natural weather disaster not only can save your life, it can help you rebuild and resume a normal life quicker after the dust has settled.

Where tornados hit
Tornados develop when the weather conditions are right and may occur in your area, even if you live in a state with a traditionally low average for tornado activity. Tornado Alley, a L-shaped band that includes portions of the states of western Iowa, southern Minnesota, Nebraska, eastern Colorado, western and central Kansas, western Oklahoma and northern Texas see several violent, destructive tornados each year. The tornados that rage through these areas typically cause millions of dollars in damage.

The biggest U.S. tornado however, missed Tornado Alley completely. On March 18, 1925, the Tri-state tornado followed a path of more than 200 miles through Missouri, Illinois and Indiana. It had an average width of three-quarters of a mile, killed 695 people and damaged 15,000 homes.

The costliest tornado in U.S. history racked up $1.6 billion in damage expenses, states the National Weather Service. It decimated Topeka, Kansas on June 8, 1966.

Whether you live in an area known for excessive tornado development or where tornados are seldom an issue, it is never a bad idea to be prepared. Weather disasters can be unpredictable. This is a reason many property owners opt for disaster insurance or even tornado insurance.

Basic Tornado Preparation
From our family to yours, PaydayLoansCashAdvance wants you to stay safe and be prepared. Ready.gov warns every state is at risk for tornado and severe storm hazards. Not all tornados develop the same way. Some are text book, easily spotted as a swirling funnel cloud in the sky, while others are sneaky and hidden by sheets of rainfall or low-hanging clouds. Generally, a tornado forms on the backside of a thunderstorm.

Every home should have a weather/disaster emergency kit and a plan. What should you put in a disaster emergency kit? While some items may differ depending on your family’s needs, most kits should contain the following items for the best overall preparedness.

  1. Water and food: one-gallon water per person per day for three days; three-day non-perishable food supply.
  2. Three-day supply of prescription medications
  3. Personal documents secured in waterproof bag (ie: copy of driver’s license, medical cards, bank accounts, insurance information, and list of important phone numbers.)
  4. First aid kit
  5. Cell phone with chargers (solar charger ideal)
  6. NOAA weather radio and/or hand crank radio plus batteries
  7. Flashlight with extra batteries
  8. Local maps
  9. Hand-held can opener for food
  10. Whistle to signal for help if you can’t cry out
  11. Dust masks
  12. Garbage bags, tie wraps and moist towelettes
  13. Multi-purpose tool and pocketknife
  14. Cash (you may not be able to get to an ATM in the aftermath)

Tornado facts that can save your life and property
Understanding a few tornado facts can help keep your family and property safe. When weather conditions are at their optimum for tornado development, be cautious, stay informed and heed warnings as issued.

  1. The typical tornado moves from southwest to northeast.
  2. Tornado season peaks from March through July.
  3. A tornado WATCH means conditions are favorable for tornado development.
  4. A tornado WARNING means a tornado has been sighted or indicated by Doppler radar.

When disaster hits: are you covered?
You followed all the warnings and survived the tornado. However, your home and property sustained damage. What do you do now? Your disaster preparation kit held your important papers so you can contact your insurance agent and determine what steps must be taken to file claims, arrange for repairs and even temporary housing if your home is now unlivable. Even if you don’t have a copy of your tornado insurance policy, your agent will have one on file.

At times like this, you may be strapped for cash, despite careful planning and the emergency fund stashed in your disaster kit. Don’t despair, you are never without options. Begin by working with your insurance agent. He or she will be able to offer multiple solutions and even direct you to governmental disaster relief programs.

Before a weather disaster such as a tornado hits, it’s often best to know what type of disaster insurance coverage you do hold. Plan to review your personal and homeowner’s insurance policies with your agent annually. If you live in an area that is prone to tornado activity, it may be time to consider tornado insurance. First, check to see if your current policy covers tornado damage. Tornado damage may be covered under your homeowner’s policy as a “wind event.” It also should be covered by a comprehensive disaster insurance policy.

PaydayLoansCashAdvance recommends calling your insurance company as soon as possible because some disaster insurance policies have time limits regarding the filing of claims. These limits vary by state. You should also note that if your home is destroyed by a tornado, it should have a priority with the insurance company over another home that only has minor damage.

Preparing yourself, family and home for a weather disaster such as a tornado provides peace of mind. You will know that if a weather event threatens, you have the tools and knowledge to survive and reclaim some resemblance of normalcy in the aftermath.

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