Midwest Tornado Outbreak: Insurance Resources for Individuals
Insurance can be overwhelming and tricky to manage following a tornado or other disaster. If you were recently impacted by the Midwest tornadoes and are looking for insurance guidance, check out our resources below.
FOX Weather: "What you should do if your property sustained tornado damage"
Call your insurance company ASAP and consider getting an advance payment for quick assistance. Keep a record of anyone you've talked to with your company.
Keep ALL relevant receipts - repairs, temporary housing, etc.
Prepare for paperwork and the chance that the insurance company will send an adjuster to assess damages.
The more info that you can provide, the faster your claim can be settled.
Get bids for repairs from contractors BEFORE any work starts and compare these bids with the adjuster's report.
Watch out for scams.
Policygenius: "Does homeowners insurance cover tornado damage?"
"While tornado damage itself is covered by homeowners insurance, any flooding that happens during the storm would not be covered. Residents of tornado-prone areas with any amount of flood risk should consider flood insurance to supplement their homeowners insurance policy."
Voss Law Firm: "How Long Do I Have To Submit A Tornado Insurance Claim For My Business?"
Kiplinger: "How to File Tornado Insurance Claims"
"You're your own best advocate." You don't have to accept the amount your insurance offers, and you can ask your insurer to reimburse you later for exceeded costs.
Make a list of all destroyed/damaged items for your adjuster and provide receipts for these items if available, also known as a "home inventory."
The same goes for accommodations, temporary repairs, and other out-of-pocket expenses.
Angi.com: "How to Document Damage for a Homeowners Insurance Claim"
Texas Department of Insurance
FAQs for property damage, fallen trees, mold coverage, sheltering at a hotel, FEMA, claim payments, winter storm damage
Insurance Information Institute
1-minute video "Tornado tips: Reporting damage & loss"
Lane Law Firm: "6 Colossal Mistakes Homeowners Make With Insurance Claims"
The Balance: "Information to Seek About Your Tornado Insurance Coverage"
Carinsurance.com: "5 essential questions to ask if a tornado damages your car"
LoPriore Insurance Agency, Inc.: "Don't Have Homeowner's Insurance? 5 Risks You Must Know"
Trusted Choice: "Q&A Renters: Does Renters Insurance Cover Tornado Damage?"
FirstCall Insurance Loss Reclamation Experts for the Midwest and Southeast Regions
Help for tornado damage insurance claims
For finding state/jurisdiction insurance department contact info, state/jurisdiction-licensed insurance agents, and filing complaints about insurance companies/agents
For finding and applying for assistance, locating hotels for shelter
Graphics for debris removal, disaster assistance/aid, recovery, storm damage, etc.
Hotline for December tornadoes: (800) 451-1954
Disaster Distress Helpline: call or text 1-800-985-5990