What is a tornado?
This is a funnel-shaped cloud that appears in a rotational movement from a thunderstorm before touches the ground. The whirling winds of tornadoes can travel up to 30 to 50 miles per hour. While some tornadoes are very visible other can be obscured by rain or clouds.
When do tornadoes happen?
The peak season for tornadoes is March through to the month of May for the southern regions of the U.S. The tornadoes in the tornado alley and other Northern states are often experienced in the late spring or early fall. The tornado is likely to occur between 3 PM and 9 PM.
Where do tornadoes happen?
Tornadoes are known to move to any direction without any advance warning because they happen so fast. Typically, though, tornadoes move southwest to northwest. Tornado alley is a place in the plains of central U.S that is prone to intense tornadoes.
How do tornadoes happen?
Most tornadoes are created from thunderstorms. It involves moist air from the Gulf of Mexico and the cool, dry air that comes from Canada. When these two air masses meet, it creates atmospheric instability. A spinning effect is then created by a change in speed and direction of wind, thus forming violent tornadoes.
Insurance cover for tornadoes
Tornadoes cause billions of dollars in insured losses. Insurance companies that offer natural disaster insurance policies admit that tornadoes have become the costliest type of insurance across the Nation.
Contrary to common belief, tornado coverage is available in homeowners, business or renters insurance policies. Here are steps on how you can assess your insurance cover before the tornadoes strike.
Know your coverage
Homeowners insurance covers is enough for covering your home or property against the damages caused a tornado. You don’t need a special type of insurance as is the case with earthquakes or floods. Always check with your agent to ensure that your policy matches your financial needs. For example, a cover with higher deductibles and lower premiums might be a costly affair when tornadoes strike.
Take inventory
Remember, your insurance company should be able to replace the personal items that were in your house when the tornado occurred. Therefore, you need to take a photo log of all the items in your house along with their respective brand names and the amount you paid for each of them. You can include receipts for the expensive appliances and electronics.
Your car and valuables
There is a limitation on coverage of personal property by a homeowner insurance covers. You should consider taking a rider on top of your homeowner insurance cover so as to cover for valuable items like stamps or coin collections, art pieces, jewelry and car.
More Information on Tornados
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