Tornado Season: Is your home covered?

Tornado season is usually March through August, and right now we are in the midst of it.  A massive 2 mile wide tornado ripped through the Oklahoma city of Moore.  As a result of this disastrous stom, there were numerous deaths and a total of seven children died from a ripped up elementary school.  Home after home was completely flattened with just left bits of brick and wood. “Tornado ally” is what they call for those living in the Great Plains and Midwest where tornados are most common, and this area takes up a great part of Oklahoma.

This devastating tragedy is a reminder of how mean mother nature can be and also shows that place that you call home, can be destroyed in a heartbeat.  This is why having insurance for your home is so important because you never know when a natural disaster will decide to rip through it.  Having homeowners insurance is also extremely important at this time of the year considering the thunderstorms and tornadoes that tend to occur during the spring.  Many of you that live on the North East and here in New York must be thinking we are crazy for giving the tornado talk, however, there have been tornadoes that have occured and been spotted in the North East many of times! Just last August, an 85 mph wind tornado ripped through Suffolk County, snapping down trees and powerlines smashing cars and damaging several homes.

Unlike hurricane and flood insurance, tornado coverage is relatively less complicated. Typically, homeowner insurance policies include coverage for tornadoes, and you do not have to buy a seperate policy like you do for floods, earthquakes, and other ground movement.  Here is some advice on how to make sure you are insured before a disaster such as a tornado hits your property:

  • Review your policy with a professional
  • Call your insurance company as soon as possible after the event of a disaster
  • After the storm, take photographs of any damage to property of items you may have lossed
  • Be cautious about service providers who prey on disaster victims

If you have any questions about your existing policy, are inquiring information about a possible future policy or need further information, please call us at (631) 738-7300 or get a quick quote at www.vrpinsurance.com

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May 21st, 2013 by VRP Insurance Agency