Unlike storm surge or flooding, tornado insurance is a wind event that is covered under your homeowner’s policy. So like any other wind event, such as a severe thunderstorm that causes damage, there are special issues involved in filing a tornado damage claim.
You should know that though a tornado claim is a type of wind storm. If the storm is not a NAMED storm, your insurance policy non-hurricane peril deductible will apply and NOT your hurricane deducible. If you have more that 25% of your roof damaged by wind such as a tornado you might be entitled to the replacement cost of your entire roof.
When opening up any property claim for tornado damage, roof damage or wind damages it is always recommended to hire a public adjuster from the inception of any claim. Cohen & Associates Public Adjusters highly recommend after the storm, take photographs of any damages and other items you may have lost. Photos will assist in substantiating your losses and in the settlement of your claim, particularly with respect to personal property. Also make sure to keep receipts of any expenses associated with being displaced from your home as a result of the tornado, such as hotel stays and meals.