Windstorm/Tornado Damage – Residential Insurance Claims
Of the 1,224 tornadoes that occur in the U.S. in an average year, more than one in ten of these occur in Texas. In fact, Texas has more tornadoes per year on average than any other state. Severe tornadoes can leave behind paths of destruction reaching 1 to 2 miles wide and 50 miles long, causing billions of dollars in damages.
Straight-line winds can cut an even wider swath of destruction. Both types of wind storm turn loose objects and debris into missiles and can cause a wide range of damage to even the sturdiest of homes – ripping off roofs and siding; tearing out walls, doors, and windows; uprooting trees; damaging gas, water, and electrical lines; and torqueing your home’s infrastructure.
Most states in “Tornado Alley” have separate deductibles for tornado and wind damage. This may be a flat amount or a percentage of your total coverage amount. Understanding the impact of this tornado and wind deductible and knowing how to maximize your insurance coverage is critical to making sure you get everything you’re owed under your insurance policy.
Because tornadoes and windstorms are so common in Texas, it is important to not only prepare your home ahead of time in the event of a tornado/windstorm, but also to have a plan of action afterward.
What to do after a windstorm/tornado:
- Do a full inspection of your home for any structural damage caused by wind, debris, or water and make sure it’s safe before entering the property;
- Contact your homeowners insurance company to your claim and to find out when they expect their insurance adjuster to arrive;
- Take photos and/or video of your property, inside and out, to fully document the damage;
- Take steps to secure your property and prevent any further damage or injury to others;
- Keep a diligent record of all your expenses and receipts related to your recovery – you will file these with your homeowners insurance claim, and it can be surprising how quickly things add up;
- Make sure you thoroughly understand your insurance policy and its coverages, exclusions, and deductibles; and
- Consider hiring a public adjuster to assist you with your homeowners claim for tornado/windstorm damage so no details get missed.
Our public adjusters help you get what you’re entitled to by:
- evaluating your insurance policy to establish the best possible strategy for presenting your claim to the carrier;
- valuing, documenting and substantiating every detail;
- negotiating on your behalf with your insurance company;
- keeping you informed every step of the way; and
- ultimately settling the claim for the maximum amount and with less hassle for you.
Public adjusters work exclusively for you – the policyholder – never for the insurance company.
Who have we helped?
As soon as we engaged your company, you were able to cut through the bureaucracy and reach the key decision makers. You kept us informed of each twist and turn of your investigation. Within months of your engagement, we had our check in hand. We felt comforted and confident that our situation was given the prompt attention that was needed. I would recommend your services to any in this situation.
Anthony & Barbara Black
Our insurance claims experts have helped thousands of homeowners. We encourage you to look through our references and testimonials and to contact us for recommendation letters. An internal review showed that our clients felt we delivered what we promised and would work with us again—facts we are proud of. We welcome the opportunity to put you in touch with past clients so you can ask them yourself.
For additional information, visit:
- “10 Things You Can Do To Make Disaster Recovery Go More Smoothly”
- “Do You Need a Public Adjuster?”
- “Homeowner Insurance Claims Help”