Home insurance in Mount Prospect, IL is designed to protect you and your assets from disasters, including tornadoes. Understanding how your insurance policy works before disaster strikes is essential to ensure you’re adequately covered.

Common Damage Covered

Damage caused by tornadoes is often covered under homeowners’ insurance policies. Most policies include coverage for wind damage to the structure of your home, personal belongings, and other structures on your property, such as sheds. Additionally, many policies provide coverage for temporary living expenses if your home becomes uninhabitable due to damage.

Wind damage is typically the category under which tornado-related claims fall. However, it’s always a good idea to consult with a professional at Com-Co Insurance Agency Inc. to confirm what your policy covers.

Possible Exclusions

In some cases, tornado and wind damage may be excluded from standard policies, especially in areas prone to tornadoes. Insurance companies may require additional tornado-specific coverage to protect against the severe damage these storms can cause. Additionally, some policies have separate deductibles for natural disasters, which may apply depending on the cause of the damage.

Flooding

Flooding is often excluded from standard homeowners’ insurance policies, even if it occurs as a result of a tornado. For example, if a tornado rips the roof off your home and subsequent flooding causes water damage, the water damage may not be covered. Separate flood insurance is typically required for these situations.

Fallen Trees

Damage caused by fallen trees is another common issue during tornadoes. However, if the tree was already dead or not properly maintained, your insurance may not cover the damage. Homeowners are responsible for maintaining their trees to prevent such issues.

Dealing with tornado damage can be overwhelming. Work with a professional at Com-Co Insurance Agency Inc. to ensure you have the necessary coverage to protect your home and belongings. Contact us today to learn more. We’re proud to serve the Mount Prospect, IL area.