Tornados

1. What types of property damage can a tornado cause?

Tornadoes can result in widespread roof damage, broken windows, and severe structural compromise. Flying debris often leads to shattered windows, destroyed siding, and fallen trees that damage homes, vehicles, or outbuildings. In many cases, homes also suffer water damage due to rain entering through torn-off roofs or broken windows, compromising the overall structural integrity of the property.

---

2. How do I document tornado damage for an insurance claim?

Start by taking photos and videos of all affected areas — especially any roof damage, shattered glass, water intrusion, or fallen trees. Visual documentation is essential when filing a claim. Capture images from multiple angles, and don’t forget to photograph debris both inside and outside the structure. Include close-ups of damage caused by high winds or flying debris.

---

3. Should I contact my insurance company right away after a tornado?

Yes. Contact your insurance provider as soon as possible. Prompt notice is often required by your policy. Provide your insurer with all documentation, including photos, videos, weather reports, and any emergency repair invoices. Also request a copy of your full policy if you don’t already have one on hand.

---

4. What steps should I take to prevent further damage after a tornado?

Take immediate steps to prevent further damage, which your insurance company may require. This includes:

• Tarping or covering areas with roof damage

• Boarding up broken windows

• Removing fallen trees that pose additional risk

• Using sandbags or plastic sheeting to prevent water damage

Keep all receipts for materials or emergency services — they may be reimbursable under your policy.

---

5. How can I verify if the tornado event is officially recorded?

Tornado activity is often confirmed by the National Oceanic and Atmospheric Administration (NOAA), which maintains historical storm data and official weather event declarations. These reports can support your claim and confirm wind speed classifications such as EF-2 or EF-3, which directly impact insurance evaluations for wind damage and structural loss.

---

6. Why might my tornado damage claim be denied or underpaid?

Insurance companies may argue:

• The damage was pre-existing

• Wind damage doesn’t meet deductible thresholds

• The roof had wear and tear

• Improper or delayed mitigation

This is why detailed photos and videos, weather documentation, and sometimes professional legal assistance are essential. If your claim is denied or underpaid, a tornado damage attorney can fight on your behalf.

---

7. What if the insurance company says the damage isn’t covered?

Insurers may deny coverage based on policy exclusions or vague terms around wind-driven rain, shattered windows, or structural movement. Our legal team can review your policy, the damage, and the denial letter to determine whether you have a case for appeal or legal action.

---

8. Do I need a lawyer for a tornado insurance claim?

If you’ve suffered major property damage — especially roof damage, broken windows, or issues involving structural integrity — and your insurer is delaying, denying, or lowballing your claim, it’s smart to consult with a tornado claim lawyer. Legal representation can ensure fair evaluation, proper negotiation, and maximize your recovery.

---

9. Does my homeowner’s policy cover fallen trees or debris removal?

It depends on your policy terms, but many standard homeowners policies cover fallen trees if they damage covered property. Debris removal may also be included, especially if the debris contributed to structural damage or safety hazards. Review your policy or contact a lawyer to interpret coverage limits.

---

10. How long do I have to file a tornado damage claim?

Time limits vary by state and insurer, but you should file as soon as possible. Delayed claims may be denied. After documenting damage, securing your property, and gathering NOAA storm data, move quickly to open your claim and protect your legal rights.