If you live in an area that is prone to tornadoes you know how destructive they can be – one single event can leave your home flat on the ground. That is why it is very important that your homeowner’s policy should include tornado insurance. This means that you don’t have to pay out of pocket when your home has suffered tornado damage. Getting a tornado claim honored is not very hard because the facts usually speak for themselves.
The first thing that you should do as soon as the tornado has passed and everyone is safe is to Document the damage. Take photos of all the damage that has occurred both inside and outside the home. This should also include any items inside the home that have either been damaged or lost. In addition to that it helps if you have receipts of items or work that has been done to your home. All this documentation will go a long way in ensuring that your claim goes through smoothly.
The next thing you should do is call your insurance company. They will send over an adjuster who will come right over to survey the damage to your home. This will help determine how much compensation you will receive. Don’t hesitate if the damage isn’t much – the insurance company is obligated to compensate you regardless of how limited the damage is. After that you have to visit the insurance company in order to fill out a claim.
If you have lost documents that can help your claim don’t worry – receipts often get lost during tornadoes. Fill out your claim and ask your insurance company to provide an independent expert who can assess the value of your losses.
One insurance company that has a great reputation for paying out tornado claims in a timely fashion is the All American Agency. They take the claims that are filed by their clients very seriously and they do everything that they can to compensate them properly. They will even take care of such things as hotels and meals for the days that you are displaced from your home. You can contact them to find out more.