It’s a chilling fact: If you’re a Tennessee homeowner, you are now more vulnerable than ever to killer tornadoes and the horrible personal and financial damage they cause. According to the National Weather Service, the Volunteer State saw record-breaking tornado activity in 2015, with July’s nine tornadoes breaking the all-time monthly record.
This unprecedented tornado activity has had a direct impact on Tennessee homes and property. Last year, Tennessee ranked in the Top 5 in the nation for tornado-related insurance claims, with nearly 6,400 filed.
Although you have no direct control over tornadoes, you can minimize the odds that they will harm you and your family physically or financially. First, be certain your family knows what to do when local media declares we are under a tornado “watch” or “warning.” Create and practice a plan of action for your family before tornadoes strike. Identify the safest area in your home—usually a basement or small room in the interior of your house, without windows—and be ready to move there immediately if you are in or near the path of a tornado.
Protect Your Wallet
from Tennessee Tornadoes
If you become one of the thousands of Tennessee homeowners impacted by devastating tornadoes, can you “ride out the storm” financially? To do so requires the right kind of insurance.
It’s important for you to know that some insurance packages provide broader coverage than others. The good news is that most standard homeowner’s policies will compensate you for losses if a tornado or other windstorm causes damage to your home, and to the personal belongings inside it.
But here’s a very important point to consider: You’ll only be covered up to the coverage limits you select for your policy. (You can often raise your coverage limits, but doing so will increase your premium.) Any losses your property suffers that exceed the limits on your policy will have to be paid out-of-pocket. And you’ll also have to pay whatever out-of-pocket deductibles you chose.
A Special Reminder Regarding Flooding
We’ve mentioned this before, but it bears repeating: Flooding—which often accompanies tornadoes, and which can cause enormous physical and financial damage—is not covered by homeowner’s insurance. If you desire this type of protection, you must get separate flood insurance offered by the state via Tennessee Flood Insurance.
If there were a list of “Most Frightening and Damaging Weather Events,” tornadoes likely would sit at #1. You can’t control the weather, but you can take smart precautions beforehand to protect your loved ones, your property, and your wallet. Remember that A2Z Insurance is always here to help you do that.