The short answer
What Tornado Damage Usually Covers
Tornadoes bring high winds, flying debris, and heavy rain. Most standard homeowner's policies cover wind damage to your home's structure, such as your roof, walls, and windows. This includes damage from falling trees or branches if the wind knocks them down, as long as your policy doesn't have specific exclusions.
Your personal belongings, like furniture and electronics, are often covered under the same policy, but limits may apply. If a tornado tears off part of your roof and rain soaks your living room, the resulting water damage is usually treated as wind-driven rain and may be covered. However, if floodwater rises from the ground, that's a separate issue.
- Wind damage to the roof, siding, and windows
- Falling trees or branches that hit your home
- Water damage from rain entering through a wind-damaged roof
- Damage to personal belongings inside your home
- Additional living expenses if you can't stay at home
- Detached structures like a garage or shed, if listed
Flood Coverage Is Separate
Standard homeowner's policies usually exclude flooding, which includes water that rises from the ground or enters through the foundation. If a tornado causes a nearby river to overflow and flood your basement, that's considered flood damage, not wind damage. You would need a separate flood insurance policy through the National Flood Insurance Program or a private insurer.
Check your policy for the exact wording on flood exclusions. Some policies have limited coverage for water that enters through the ground, but it's rare. If you're unsure, ask your insurance company to clarify what counts as flood versus wind-driven rain. Knowing this before a storm can save you from surprises later.
How to Document the Damage
Right after a tornado, your priority is safety. Once it's safe, take photos and videos of all damage, including close-ups of the roof, windows, and any water stains. Keep receipts for any temporary repairs you make, like tarping a hole in the roof, as these may be reimbursable.
Make a list of damaged items, including their approximate age and value. This helps you when you talk to your insurance company. Don't throw anything away until the adjuster has seen it, as that could hurt your claim. If you have to move out, save all receipts for hotel stays and meals.
Temporary Repairs and Next Steps
You can make temporary repairs to prevent further damage, like covering a broken window or tarping a roof. This is often required by your policy, but keep the receipts. Your insurance company may reimburse you for these costs, but check your policy first. Don't make permanent repairs until the adjuster has reviewed the damage.
If you live in Rogers, keep your insurance company's contact information and your policy number in a safe place. After a tornado, you may be stressed, so having that info handy helps. Contact your insurer as soon as possible to start the claims process, but be prepared to wait if many homes are affected.
When to Call Local Water Damage Pros
Water damage from a tornado can be extensive, especially if rain enters your home through a damaged roof. Local water damage pros can help with drying out your home, removing wet drywall, and preventing mold growth. They often work alongside your insurance company, but you should confirm the details yourself. Policies vary, and your insurer decides what is covered.
If you need help with repairs, consider contacting the pros for assistance. They can assess the damage and provide guidance on what needs to be done. For roof repairs, a roofer may be necessary, while a water damage inspection can help identify hidden moisture. Always check your policy before hiring anyone.
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Call Now (479) 370-1500Frequently asked questions
What if my policy has a separate windstorm deductible?
Some policies have a separate, higher deductible for windstorm or tornado damage. This means you pay more out of pocket before coverage kicks in. Check your policy documents for the deductible amount. If you're unsure, ask your insurance company directly. The deductible applies only to covered claims.
Does tornado damage to my car count?
Your homeowner's policy typically doesn't cover car damage. Auto insurance usually covers tornado damage under comprehensive coverage. Check your auto policy to see if you have comprehensive coverage. If a tree falls on your car, that's a claim with your auto insurer, not your home insurer.
Can I claim damage to my fence or shed?
Fences and sheds are often covered under your homeowner's policy as other structures, but coverage limits apply. Check your policy for the specific limit, which is often a percentage of your dwelling coverage. If the shed is detached and damaged by wind, it may be covered. Ask your insurer to confirm.