Frances Badayos | author
ICHQ | Site Author
If you’re a homeowner in New Orleans, you know that severe weather can be a concern. In mid-December 2022, a string of tornadoes hit the area, causing significant damage to many homes and businesses. If you’re wondering whether your homeowner’s insurance policy covers tornado damage, here’s what you need to know.
What Forms of Tornado Damage are Covered by Most Home Insurance Policies?
Most homeowners insurance policies cover damage to the structure of your home caused by tornadoes, such as damage to the roof, walls, and foundation. In addition, your policy may cover damage to your personal belongings caused by the tornado, such as ruined furniture or electronics.
What is Not Covered by Most Home Insurance Policies?
Your homeowner’s insurance policy may not cover some forms of tornado damage. For example, damage caused by a lack of maintenance, such as a roof in poor condition before the tornado struck, may not be covered. Additionally, damage caused by flooding or water seepage may not be covered under a standard homeowners insurance policy. You may need to purchase separate flood insurance to protect your home from this damage.
What to Do if Your Claim is Denied or Underpaid
If you’ve filed a claim for tornado damage and your insurance company has denied it or offered a low payout, you may feel frustrated and unsure of what to do next. In these cases, it’s a good idea to speak with an experienced tornado damage attorney in New Orleans who can review your policy and help you understand your rights. An attorney can also advocate and negotiate with your insurance company to get the compensation you deserve.
How to Prevent Tornado Damage to Your Home
Although it’s impossible to completely protect your home from the risk of tornado damage, you can take steps to minimize the risk. Here are a few things you can do to help protect your home from tornado damage:
- Make sure your home is adequately anchored to the foundation. This will help prevent it from being lifted off the ground during a tornado.
- Install storm shutters or impact-resistant windows. These can help protect your windows from flying debris during a tornado.
- Clear debris from your yard. Remove any large branches or debris that a tornado could pick up and throw up.
- Consider installing a safe room. A safe space can provide a secure place to shelter during a tornado.
Contact Our Homeowners Insurance Claim Attorneys
If you’re a New Orleans homeowner who has experienced tornado damage and has had trouble getting your insurance company to pay out the total amount you’re entitled to, it’s vital to seek legal assistance.
An experienced attorney can help you understand your rights and advocate for them. They can also negotiate with your insurance company to get the fair and reasonable settlement you deserve. If you need legal assistance with a homeowners insurance claim, contact Insurance Claim HQ today.