Tornadoes can cause severe damage to homes, personal property, and other structures. Homeowners insurance typically covers tornado-related damage under the windstorm and hail portion of the policy. Below are the key types of damage usually covered in a tornado insurance claim.
Structural Damage to Your Home
One of the most significant losses in a tornado is damage to the structure of your home. This includes:
- Roof damage – Tornadoes often cause roofs to collapse, tear off shingles, or create leaks.
- Walls and foundation – Strong winds can crack or destroy walls and even shift a home’s foundation.
- Windows and doors – Broken or shattered windows, as well as blown-out doors, are common in tornado claims.
Detached Structures
Many home insurance policies also cover detached structures on your property, such as:
- Garages (both attached and detached)
- Sheds, barns, and storage buildings
- Fences and gazebos
However, coverage limits for detached structures may differ from those for your main home, so it’s important to check your policy details.
Personal Belongings
Tornado insurance claims typically include coverage for personal belongings damaged by the storm, such as:
- Furniture, electronics, and appliances
- Clothing, jewelry, and valuable items
- Household goods like dishes and decorations
Coverage for expensive valuables, such as jewelry and art, may be subject to limits, so additional coverage might be needed.
Debris Removal and Cleanup
After a tornado, your property may be covered in debris, fallen trees, or destroyed materials. Many insurance policies help pay for the cost of:
- Removing debris from your property
- Disposing of damaged structures or belongings
- Tree removal, if the tree damaged your home or structures
Additional Living Expenses (ALE)
If your home is uninhabitable due to tornado damage, insurance may cover:
- Temporary housing (hotel or rental costs)
- Food and transportation expenses
- Storage fees for belongings while repairs are completed
This is known as Loss of Use or Additional Living Expenses (ALE) coverage. Be sure to keep all receipts related to temporary expenses for reimbursement.
What’s Not Covered?
While tornado insurance covers many types of damage, some exclusions may apply, such as:
- Flood damage – If heavy rain or storm surges cause flooding, you’ll need separate flood insurance.
- Earthquake damage – Earthquakes caused by tornado activity require separate coverage.
- Vehicle damage – Home insurance does not cover cars; you’ll need comprehensive auto insurance for tornado-related damage.
Final Thoughts
Homeowners insurance typically covers most tornado-related damages, from structural repairs to personal belongings and temporary living expenses. To ensure you’re fully protected, review your policy and consider additional coverage if needed.