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TornadoIf you live in an area where there is a high-risk of a tornado occurring, it is always wise to update your home insurance to ensure it provides comprehensive protection for you. Tornados can happen in nearly all areas of the United States. They tend to be some of the hardest to predict types of storms and when they do occur, the results can be devastating. As a homeowner, you’ll want to take every step you can to ensure that you have the proper home insurance in place to minimize your risks of facing these types of storms.

Does Home Insurance Cover Tornado Damage?

The good news is that most insurance plans do provide this type of insurance protection. Home insurance policies classify tornados as a type of windstorm. If you take a look at your policy, you’ll see that windstorms are commonly a type of included coverage. This means that if you suffer damage from a tornado, you’ll be able to file a claim for what’s damaged or lost such as your home’s structural damage, missing roofing shingles, damage to your personal belongings and other types of losses you may suffer directly related to the tornado.

Keep in mind that the amount of home insurance you have for this type of claim needs to be relatively high. Take a look at how much peril coverage you have. Could it help you to replace all of your belongings, make significant repairs on your own, or fully fund the rebuilding of your home if it is damaged beyond repair? Work with your insurance agent to ensure that the amount of coverage you have is adequate to help you in the worst case scenario and, if it is not, add a higher level of coverage to your plan.

If you live in a high-risk area, you may need to add extensive coverage for this type of risk. It’s not a good idea to go with the standard amount of coverage since the risk is so high. Your home insurance agent can help you to get the right level of coverage based on your home’s rebuilding costs as well as the value of the assets you own within it.

Does your policy include this coverage? Call us at 888-751-7511 for more information on Dallas home insurance.

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