Tornado Damages FAQ -dup


We are getting many questions on the typical restoration process from tornado damage. Here are a few responses to the most frequently asked questions:

All the siding in the front is gone, will the company replace the all the siding on the house?

If covered for the loss, your insurance company is typically responsible to replace only the damaged section and will attempt to match the existing siding. If this cannot be done then it will be reviewed further by the Adjuster.

Tree removal? A Tree fell onto my house, is removal cost covered? What about all other tree and branch debris that is in my yard (did not fall on structure) – is this covered? Is full disposal covered or only to the end for the homeowners lane?

Most insurance policies do not respond to trees that come down by wind including damaged trees in non-tornado situations. Each company may handle tree damage slightly differently, but when a tree falls onto your dwelling, fence or other structure, the insurance company will cover the cost to remove the tree from the structure and place it on the ground. Insurance companies generally do not remove the tree from the property or cut down any damaged tree(s) or cover the expense to have this work done. For specifics, we recommend you refer to your insurance policy.

Food spoiled in a freezer?

Is it covered?

Most insurance companies provide some type of coverage for spoilage from a power outage. We recommend you speak with your insurance broker to review the possibility whether a specific limit applies. For example, some companies have a limit of $1000 while others have no limit.

If it is covered, does the deductible apply?

With some companies the answer is yes, and others, the answer is no. Historically, some companies have waived deductibles in a catastrophic event, and this may be the case, but at this point we have not heard any decision on this as companies continue to triage and help with the most devastating losses.

What general advice should we be passing along to our customers?

If you have had a major amount of food damage from your freezer outage, keep records of the food lost, document as much as you can and speak with your insurance broker for advice.

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