Are you prepared for Tornado Season?

Posted by Artur Stypula on August 27, 2015  /   Posted in Insurance

Are you prepared for an increase in hurricane season? Tornado season ? Wildfires?

MercuryNaturalDisaster_604x377 FROM Mercury site 15

Natural disasters in the U.S. have increased by 700 percent* since 1950 and reports from the National Oceanic and Atmospheric Administration indicate severe weather events are occurring more frequently. Tornado season has even changed and been extended in most parts of the country.

The U.S. experienced the largest hurricane to ever form in the Atlantic Basin (Sandy) in 20121. Losses from the “super storm” exceeded $20 billion, making it one of the top 10 costliest hurricanes in U.S. history1. In addition to Hurricane Sandy, the U.S. Government declared 47 other major natural disasters in 20122.  Tornado season is typically May to July in the Midwest. However as evidence by the tornados in the cold of winter a few years ago in Kenosha county suggest. They can strike at any time. Be prepared, no matter if its tornado season or not.

Ability Risk Management which has been protecting families and business’s since 2009, has compiled some insurance tips to help you weather the storm:

  • Know what is covered. Review your home and auto insurance policies with an insurance agent who has a good understanding of the severe weather conditions you may experience, such as hail, rain, hurricane season, tornado season and wildfires. In the case of floods, the Federal government provides homeowners and renters coverage through the National Flood Insurance Program.

An ARM  automobile policy with comprehensive insurance coverage will protect your vehicle from most damages caused by natural disasters, but talk to your agent about additional policies that may be needed.

  • Catalog your property. Document your belongings by taking photos or shooting video of your home and possessions, which may expedite your claims process. Store them in a secure place, like a password-protected portable hard drive, and place backup copies in an off-site location.
  • Develop an evacuation plan. This should be part of a larger, more comprehensive family emergency plan. Contact your local city official for natural disaster preparation guidelines and evacuation routes. Sit down with your family at least twice a year and practice your plan.
  • File an auto or home claim. Contact your insurer immediately to report the loss and do not remove debris or damaged property that may be related to your claim. You’ll need to provide information, including your policy number, as well as the date and time the incident occurred.
  • Follow-up on a claim. Prepare a detailed inventory of destroyed or damaged property. Offer photos or videos of your home and possessions to your claims adjuster, if these are available. Keep records and receipts for additional living expenses that were incurred if you were forced to leave your home and provide copies to your adjuster.

Additional details can also be found at www.ready.gov and www.FEMA.gov.

Talk to a local insurance agent today to see how much ARM can save you tornado season, no matter what the season www.abilityrisk.com

*http://www.huffingtonpost.com/2012/10/30/hurricane-sandy-largest-hurricane_n_2045163.html

**http://www.fema.gov/disasters/grid/year

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