Tornados are one of the most destructive types of natural disasters. Any structures that lay in the path of a tornado will almost certainly incur heavy damage and require a tornado insurance claim. Even properties well outside the direct path of the tornado can suffer significant damage from the severe winds generated around the twister’s periphery.
When your property is impacted by tornado damage, there are several things you can do immediately to better position yourself for future tornado insurance claim recovery.
Save Receipts / Document Expenses
Make sure you keep receipts of all the expenses you incur as a result of the storm damage. This can include, materials purchased to temporarily cover a damaged roof, hotel accommodations, or other direct out-of-pocket expenses. Your insurance carrier should reimburse you for these items later on.
Prevent Further Damage
It is your responsibility to make a good-faith effort to prevent further damage to your property after the initial damage is incurred. Failure to do so can result in the insurance company denying your claim. For example, if you have a hole in your roof caused by a tornado, or a blown-out window, you should take steps to tarp or board up those openings to prevent the elements from causing additional damage to the interior of your property.
Document the Damage to the Property
When preparing your tornado insurance claim, always take videos and photos of the affected areas. This is important when proving that the damage to your property happened as a result of the tornado. This will help you make sure you receive everything you’re entitled to during the recovery process.
Understand Your Coverage
Coverage exclusions can often come in to play when dealing with tornado damage claims. Items such as mold or specific types of flooding may not be covered under your standard policy. If you’re located in an area that is high-risk for tornados, it’s important that you take time to review your policy thoroughly before meeting with your insurance company.
Hire Your Own Expert
Hiring an experienced public adjuster to guide you through the process will help make sure you’re treated fairly. A good public adjuster will review your policy and advise you on your coverage rights. And while it can be difficult for a property owner to fully understand the intricate details of an insurance policy, Public Adjusters settle claims every day and know all the ways insurance companies try to avoid paying covered losses.
Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.