6 questions on insurance in case of tornadoes

Habitation 6 questions on insurance in case of tornadoes

If a tornado were to strike your home, would you be covered under your insurance policy? How about your vehicle?

Here are six questions and answers to better understand what is covered in case of a tornado.

1) Does my home insurance policy cover damage by wind or a tornado?

Yes, whether you're a tenant or a homeowner, home insurance policies generally cover damage that results from high winds or a tornado. The first thing to do, if you haven't already done so, is to contact your insurer as soon as possible.

2) What happens if you're told to evacuate?

Individuals with home insurance policies that cover tornado damage will be eligible for the reimbursement of living expenses for 14 days.

If the home has suffered covered damage and the residents need to relocate temporarily, policyholders will be entitled to the reimbursement of such expenses for a longer period, depending on the limits of their insurance policy.

3) What are these additional living expenses?

These are out-of-pocket expenses you must pay because you cannot reside in your home.

For example: If your normal living and food expenses are $100 a day, but because of the disaster, it costs you $200 in hotel and restaurant expenses, the insurer will refund the $100 in additional expenses you must pay.

4) I am a tenant and my apartment is uninhabitable. Am I entitled to the reimbursement of additional living expenses?

These expenses are refundable if your home insurance policy covers damage that results from a tornado. The reimbursement will be paid, depending on the limits of your insurance policy.

5) Due to the power outage, I lost the contents of my fridge and freezer. Are these covered?

Yes, these losses are covered, up to a maximum of $1,000. Note, however, that when making a claim, you must assume the amount of the deductible chosen.

6) My car was damaged by flying debris. Is it covered?

Yes, the damage is covered by your car insurance policy if you bought All Risks, All Perils other than Collision or Upset, or Specified Perils coverage.

You suffered damages?

  • Contact your insurer immediately.
  • Take steps to prevent further damage to your home.
  • Keep receipts of all expenses, for lodging, for food or for your home.
  • Take photos and videos of the damaged property.

Download the PDF version of this article.

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