Tornado Damage Insurance Claim

The United States experiences more tornadoes than any other country in the world. Each year in the U.S. approximately 1,200 of these violent storms touch down, killing an average of 60 people, injuring 1,500, and causing $10 billion in property damage.

Tornado prediction technology has improved, but it is still very difficult to know when and where a tornado will strike. Within minutes a storm can appear and disappear, leaving a trail of devastation in its wake and leaving property owners to deal with a damaged or destroyed home or business.

The good news for owners following tornado losses is that the damage should be covered by insurance. Unlike other natural disasters such as floods, earthquakes, and sinkholes, tornadoes are covered under a basic homeowners or commercial property policy. That doesn’t stop insurance companies, however, from denying and underpaying tornado claims. And while a denial might contain a long, technical explanation that makes it seem legitimate, it may in fact not be.

If your insurance company denied or underpaid your claim, we can help. As part of your free case review, our lawyers will look at your insurer’s decision letter and let you know whether there are grounds for an appeal. Contact us to get started.

Over the last few years, some catastrophic tornadoes have struck the United States. The costliest tornado on record, in terms of insured losses, occurred in April 2011 in Tuscaloosa-Birmingham, Alabama, according to the Insurance Information Institute, causing $7.7 billion in damages. Just a month later, an almost equally devastating storm struck Joplin, Missouri, resulting in $72 billion in insured losses.

Tornado intensity is based on the damage it inflicts on buildings using the enhanced Fujita (EF) scale, which rates tornadoes from F0 (light damage; winds 40-72 mph) to F5 (very heavy damage; 261-318 mph winds). The Tuscaloosa and Joplin storms registered as Category F-4 and F-5, respectively, but even weaker tornadoes have winds approaching 200 mph that can destroy a single-family home.

  • F0: Light damage to chimneys and sign boards.
  • F1: Roof surfaces peeled off; mobile homes overturned.
  • F2: Roofs torn off buildings; mobile homes destroyed.
  • F3: Roofs and walls torn off buildings.
  • F4: Buildings leveled and some structures blown a considerable distance away.
  • F5: Homes leveled and swept away

tornado downloadable

Tornado Losses on the Rise

A report by Lloyd’s of London found that the number of tornadoes reported yearly, as well as annual tornado losses, are increasing. Lloyd’s doesn’t attribute this increase to a greater number of tornadoes, but rather to rural areas becoming more urbanized (leading to more people, homes, and structures in the path of tornadoes) and improved tornado reporting and tracking.

From 2008-2015 tornadoes and other severe thunderstorms caused $10 billion per year in insured property loss damages, according to USA Today. Prior to that period insured tornado and thunderstorm losses never exceeded $10 billion.

Since 1990 more than half of all natural catastrophe losses (including losses to property, vehicles, and agriculture) have been from severe thunderstorms and tornadoes.

Common Tornado Losses

An area struck by a strong tornado can resemble a war zone, with leveled buildings, overturned cars, billowing smoke, and debris fields. Although this type of destruction is not uncommon, many tornadoes cause damage more on par with a strong thunderstorm, leaving property in need of repair but not a complete loss. Some common types of tornado damage include:

  • Roof and siding: missing or broken roofing shingles; dings, dents, and chips; pieces of roof decking torn away; gables detached; roof blown off or displaced.
  • Walls and floors: interior walls cracked, bowing, separated from roof surfaces, or blown out; floor cupping; water damage.
  • Frame: bent, twisted or broken framing; broken welds on beams and trusses.
  • Foundation: separation or cracking caused by uplift.
  • Windows and gutters: flying debris can smash windows and damage panes, shutters, and screens; gutters dented or torn away.
  • Exterior: damage to garage doors, fencing, landscaping, chimney, and roof vents.

In addition, tornadoes frequently damage a property’s electrical and plumbing systems and can cause gas leaks.

For more information, check out the website of the International Association of Certified Home Inspectors

What Does My Insurance Cover?

A standard homeowners or business property insurance policy should cover tornado damage to your property and the items inside of it. This includes coverage not only for wind damage, but also damage from hail, rain, and lightning, all of which can accompany a tornado. If your home is so damaged that you can’t live in it, insurance should cover temporary lodging, too.

It’s important for the insured to understand that most policies require the insurance company to pay for the actual cost of replacement of the damaged roof or building, regardless of the age. There is typically no depreciation for age.

In addition, even if your home or building did not sustain catastrophic damage, you may be entitled to insurance coverage for roof replacement and building repairs. Tornadoes often produce damage that is subtle but significant. For example, most roofs have sealant strips that bind the components of the roof together. These strips can be easily broken by high winds and you may not even realize it. Tornado winds also tend to damage fastening components such as nails, clips, joints, and brick ties.

That’s why your property needs to be thoroughly inspected for damage following a tornado. Failure to recognize less-obvious tornado damage could result in costly maintenance down the road.

Educate yourself about these and other less-obvious but serious tornado damages so that your insurance adjuster is sure to investigate them.

Steps to Take After a Tornado

Your immediate priority when a tornado strikes is safety. Once the storm has passed, and assuming your property is safe to remain in, take steps to mitigate damage and promptly get in touch with your insurance company. Policyholders have a duty to prevent further property damage. This includes (if and when it is safe to do so) taking actions that include:

  • Turning off the gas or water if there’s a leak;
  • Making temporary repairs, such as covering holes in the roof or broken windows to prevent further water damage;
  • Moving wet items to a drier location;
  • Washing and drying items;
  • Thoroughly document all the damage to your property and possessions. Make lists, take photos/videos, save receipts for any temporary repairs, and don’t throw anything away.

It’s OK to schedule permanent repairs as soon as possible, but most insurance companies demand that they assess the damage before repair work begins.

Receive a Free Review of Your Claim Denial

Claim denied or underpaid? Our lawyers will provide a free consultation. If your insurance company is doing the right thing, we’ll let you know.

If they aren’t, we’ll help you dispute their decision and obtain the coverage you’re entitled to.

We work with construction contractors, engineers, forensic meteorologists, and other professionals to assist in proving your case. And if we don’t succeed, you pay nothing. Learn more during a no-cost, no-obligation case review.


" They really care, know what they are doing and treat you as though you are their only client! "

~ Robert

Insurance Offer$200,000
turned into
What we got $1,200,000
" Made this difficult legal matter as painless as possible and helped lead us to victory. "

~ Catherine

Insurance Offer$60,000
turned into
What we got $1,050,000
" Outstanding firm that has their clients interest at heart. "

~ Derrick

Insurance Offer$200,000
turned into
What we got $3,500,000
" They really set the bar high...I highly recommend. "

~ Carole

Insurance Offer$5,000
turned into
What we got $2,000,000
" They made everything hassle free, which is exactly what I needed in my busy life. "

~ Smith

Insurance Offer$5,000
turned into
What we got $367,000
" Helped me every step of the way! "

~ Pappadakis

Insurance Offer$100,000
turned into
What we got $2,602,150

Offices near You

Fort Lauderdale
5300 NW 33rd Ave, Suite 219
2451 Crittenden Drive, 40217
Panama City
1022 W. 23rd St., Suite 630 32405
101 Riverfront Blvd, Suite 600 34205
4495 South Semoran Boulevard, 32807
5801 West Colonial, 32808
500A Northside Crossing, Suite 9 31210
170 Meeting Street, Suite 110 29401
777 Gloucester Street, Suite 400 31520
402 South Kentucky Avenue, Suite 402 33801

Current call wait: 4 seconds

Client Testimonial Videos

Free Tornado Damage Insurance Claim Case Review

Share your experience and we will call you

or Call Now

By submitting you agree to our Terms & Privacy Policy.