Tornadoes can pose significant risks to homeowners often developing rapidly with little to no warning. To mitigate these risks, homeowners must take proactive steps to prepare for these severe weather events. Proper preparation can help reduce financial losses and promote the safety of family members. It is crucial to stay informed about changing weather conditions and heed active alerts from the National Weather Service. Do not wait until you see the actual tornado to seek shelter.
Tornado Watch: Stay vigilant and monitor weather updates.
Tornado Warning: Take immediate action and seek shelter.
Preparing your home:
- Bring inside or anchor any loose outdoor items that could become projectiles.
- Park vehicles in garage or away from falling objects.
- Clear gutters and downspouts to allow for proper drainage.
- Ensure sump pumps are working properly.
- Trim compromised or overhanging trees.
Insurance and Documentation:
- Review homeowner's policy annually with your agent for compliance with maintenance requirements (roof, drainage, trees/brushes trimmed, etc.)
- Understand Replacement Cost vs. Actual Cost vale coverage for belongings.
- Create a visual/video home inventory of belongings for insurance purposes.
Family Plan:
- Designate shelter locations and meeting points
- Gather emergency supplies like flashlights, water, non-perishables in one area.
- Have sturdy shoes for all family members.
- Assign pet care responsibilities.
- Seek Shelter immediately when tornado warnings are issued.
Special Considerations:
Mobile Homes:
Seek sturdier shelter elsewhere- even if your home is permanently grounded it is still considered unsafe.
High-Rises/Apartments:
- Purchase renter's insurance if not required already.
- Review renter's policy annually.
- Avoid elevators, identify nearest stairwells.
- Go to the lower floors and avoid windows.
- Monitor weather proactively.
Emergency Kit Essentials:
- Portable chargers, flashlights
- Bottled water, non-perishable food
- Sturdy shoes for all
- Blankets and protective gear
Proper preparation, maintaining adequate insurance, and seeking assistance can help mitigate tornado impacts.
This list serves as a set of recommendations. While there are limitations to what can be controlled, having insurance, and seeking professional assistance can help you mitigate the impact of severe weather events. Remember, do not wait to seek shelter until you see the tornado. Act promptly when warnings are issued.
All articles are written by licensed insurance professionals. However, these articles are not meant as legal advice. If you have questions regarding your specific policy or claim, please contact your broker or reach out to a member of the RBN team.
