Does My Property Insurance Cover Damage Caused by a Tornado?

Florida’s weather can be relentless and unexpected, especially as we head into the summer months. Although Florida is not necessarily known for tornadoes, they can happen and be extremely dangerous and damaging. Recently, a 65 yards wide tornado ripped through Marion County after severe weather, causing at least $15.6 million in property damage.

Most property insurance contains dwelling coverage, which covers storm related perils, such as windstorm damage. This would typically cover any damage caused by a tornado, such as damaged roofing. However, insurance companies may have a cap on the amount they will pay contained within their policies. It is crucial to read your policy and ensure there is sufficient coverage to protect your home in the event major damage occurs.

Even with evidence of a tornado in the area and resulting damages, insurance companies may still be hesitant to pay the claim’s entirety or outright deny the claim. If your insurance company is refusing payment or offering underpayment of your tornado related claim, our office may be able to help.

This article is not intended to constitute legal advice nor create an attorney-client relationship.