Is Tornado Damage Covered by Standard Home Insurance?

Most standard homeowners policies cover wind damage, which is the primary cause of tornado destruction. That includes damage to your roof, siding, windows, and interior from wind pressure or flying debris. Hail damage to your roof or exterior is also usually covered under the same windstorm peril.

If a tornado tears a hole in your roof and rain soaks your floors and furniture, that resulting water damage is often covered as part of the wind event. The key is that the water entered because of the wind-created opening, not from ground flooding. Your policy documents will spell out the exact perils and exclusions.

• Wind damage to roof, walls, and windows
• Hail damage to exterior surfaces
• Interior damage from rain entering through a wind-created opening
• Damage from flying debris, such as broken windows and dented siding
• Costs to remove a fallen tree that damages your home
• Additional living expenses if your home is uninhabitable

After a tornado, your first step is to ensure everyone is safe and then prevent further damage, such as covering a broken roof with a tarp. Take photos and videos of all damage before any cleanup or repairs. Keep a list of damaged items and their approximate value.

Contact your insurance company as soon as possible to file a claim. They will likely send an adjuster to assess the damage. You can also hire your own water damage inspector to provide a second opinion, especially if you suspect hidden water damage in walls or insulation.

Once the storm passes, check for gas leaks and electrical hazards, and call emergency services if needed. Turn off your main water valve if you see leaks. Do not enter a structurally unsafe building. See a doctor if you feel unwell from stress or injury.

Then, document everything, contact your insurance company, and begin temporary repairs like tarping the roof. Keep receipts for any materials you buy. Your insurance policy may reimburse reasonable emergency measures. For complex water damage, consider hiring a professional to assess and dry the property.

• Ensure safety first, then document damage
• Contact your insurance company promptly
• Make temporary repairs to prevent further damage
• Keep all receipts for emergency expenses
• Consider a professional water damage inspection
• Check your policy for coverage details