[Slytrix]

Just curious about tornado insurance? Is damage from a twister covered on your homeowners insurance or is there a separate endorsement available?

I know there is earthquake insurance and flood insurance, how about tornado?

[nmnita]

Originally Posted by Slytrix

Just curious about tornado insurance? Is damage from a twister covered on your homeowners insurance or is there a separate endorsement available?

I know there is earthquake insurance and flood insurance, how about tornado?

We had damage from the Joplin tornado about 6 years ago: our insurance paid for some painting and a new roof. Mostly the damage was hail. We do not have tornado insurance and have never had our agent mention it. That is all I know.

[Ralph_Kirk]

Originally Posted by Slytrix

Just curious about tornado insurance? Is damage from a twister covered on your homeowners insurance or is there a separate endorsement available?

I know there is earthquake insurance and flood insurance, how about tornado?

Check your policy. Most homeowner's insurance covers tornado damage automatically. A tornado is hell if it hits you, but unlike hurricanes, floods, and earthquakes, a tornado is comparatively "selective" in how much area it damages, so the statistical risk that you will get hit is much less.

[David A Stone]

I believe nearly every homeowners policy covers tornados.


Years back homeowners policies used to be called............" fire and wind"...because that basically was all they covered and was all you needed.

[Slytrix]

Thanks Guys, I will read my policy to see what it says about wind.

We are thinking about changing the scenery and trying to learn all we can.

[Hollynla]

Homeowners will cover tornado damage.

[Old Fossil]

10-4 to all the above. For roof hail damage, they will depreciate for the age of the roof.

[Slytrix]

Thanks to all.

I should have asked as a side note is HO Insurance expensive? Can anyone give me an approx example?

[WyoNewk]

Originally Posted by Old Fossil

10-4 to all the above. For roof hail damage, they will depreciate for the age of the roof.

That's normally only if you take the money and don't get it fixed. I inspect home damages/repairs, and in every instance I can recall, once the homeowner got all the repairs finished, the insurance company paid the full replacement cost (less deductible).

[Hollynla]

Originally Posted by Slytrix

Thanks to all.

I should have asked as a side note is HO Insurance expensive? Can anyone give me an approx example?

Do you mean in Arkansas? If so, the price can vary depending on location but I think it's very inexpensive. From what I see in the real estate biz, most average 3/2 homes are about 1000-1200 per year in my area.