By Karla Sullivan
Damage from violent tornadoes seem to be increasing and according to federal reports, losses of $1 billion or more from a single tornado is becoming more frequent. The National Weather Service has the authority to forecast and issue warning but researchers suggest that there are limits to what they can do as far as saving lives and protecting property.
Congress is not sure whether significant changes over the climate is a result of more intense storms such as the EF-5 tornado that struck Moore, Oklahoma on May 20, 2013 but potential still exists for damaging storms.
A few days ago, on April 3rd, about $300 million in property damage was assessed in Texas which resulted in a series of hailstorms. As we approach the spring and summer months which is more typical for dangerous storms, it is also time to know your insurance coverage and prepare your home for the worst.
Hailstorms
Most hailstorms do not cause damage but before they do it is important to make sure your roof covering is resistant to problems. Maintenance for worn areas is important because homeowners insurance may not pay in the event of a storm if the roof has not been protected adequately.
Tornadoes
The main areas of your home that can be effected is the roof and windows. Impact resistant windows, storm shutters can help avoid disaster as well as roof quality once again. Even roof clips are suggested to help protect your home.
Vertical bracing systems are also available for garage doors which are notorious for damage during a wind storm.
It is important to check with you homeowner insurance provider, to determine the type of coverage you have and how much it will cover. Packages and policies can vary greatly. Windstorms are one of the basic perils a policy will cover but remember that you do need to maintain your home prior. Also, if you have a deductible, you will need to pay that first before reimbursement for damage can be applied.
