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Does My Florida Homeowners Insurance Policy Cover Tornado Damage?



Q. Does My Homeowners Policy Cover Tornado Damage?


If you need to know whether your homeowner's policy covers tornado damage you should review the covered perils listed on your insurance policy documents. In general, tornado damage is included as a covered peril under wind damage. Tornado activity stems from thunderstorms and can bring with it other potential damage-causing, weather-related events like lightening, hail, or even flooding.


Tornado coverage can get tricky if your home experiences flooding from the tornado damage. For example, if you home is flooded due to wind damaging the roof, your policy should cover the damage. However, if the flooding comes from elsewhere and was caused by rising waters and not wind damage, unless you have additional flood insurance, it may not be.



Understanding your current homeowners insurance policy is important, especially when dealing with property damage claims. Covered perils and additional insurance coverages determine exactly what your insurance carrier will pay-out on in the event a tornado damages, or completely destroys your home. Consult with your homeowners insurance agent if you have any questions or need clarification on what your policy will cover after tornado damage to your home.


If you need legal assistance with a property damage insurance claim due to tornado damage, contact Max Factor Law to review your claim at no cost. With almost three decades of experience helping Florida homeowners just like you, Max and his team have the knowledge and fortitude to assist you through even the muddiest of property damage insurance claims. To schedule a free consultation, please call our offices at 850-577-1699.


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