Tornadoes and Severe Weather

The start of spring traditionally marks the start of severe weather season and an increased risked risk of property damage from wind, rain, hail, floods and tornadoes.

The first steps to prepare for spring storms is to conduct an insurance checkup to make certain an individual or business has the right coverage and for the right amounts.

Three questions should be asked:

1. What type of coverage do I have?

2. How much coverage do I need?

3. What are my discounts and deductibles?

If you are a victim of tornado or severe weather damage, the following advice for dealing with damage should be taken:

What to Do if Your Home is Damaged:

Call your insurance company or agent with your policy number and all relevant information as soon as possible. Cooperate fully with your company or agent, asking what forms, documents and data you will need to provide in order to process your claim.

Take photos or video of the damage.
Make the necessary repairs to prevent further damage to the property (for instance, covering broken windows, leaking roofs and damaged walls), but do not have permanent repairs made until your insurance company has inspected the property and you have reached an agreement with them on the cost of appropriate repairs.
Save all receipts, including those from the temporary repairs that might be covered by your insurance policy.
If your home is damaged to the extent that it is unlivable, ask your insurance provider if you have coverage for living expenses incurred while repairs are being made. Save all receipts to document these costs.

What Damage to Your Home is Covered?

Damages caused by wind, wind-driven rain, trees or other falling objects, and the collapse of a structure are covered under most standard homeowners policies. However, you should review your individual insurance contract to determine specific coverage and exclusions. Check your policy and call your insurance agent or company for clarification with specific questions.

What Damage to Your Home is Not Covered?

The following weather-related events are usually not covered by standard homeowners insurance policies:

Interior storm-water damage when there was no damage to the home’s roof or walls
Flood damages
Removal of fallen trees from the property, unless those trees land on and damage the roof and walls of the home
Food spoilage due to power outages
Water damage from backed-up drains or sewers

Oklahomans should also take steps to protect their personal safety as the severe storm season nears. More information on preparing before an emergency strikes can be found on the Office of Emergency Management’s website: www.oem.ok.gov.

Tornadoes and Severe Weather

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