Natural Disasters - Are You Prepared?

Natural Disasters - Are You Prepared?

Tornado devastation like Florida residents experienced recently could happen anywhere at any time.  Here's what you need to know about your homeowners' insurance.

1: Check Your Policy
Unlike hurricane and flood insurance, tornado coverage is relatively uncomplicated.  That's because wind events are covered under your homeowners policy, says Sue Nestor of the Independent Agents and Brokers of America.

"[With tornados] you don't have [the] storm surge and the massive flooding that comes with hurricanes," she says.   But it's always a good idea to dig out and review your policy. Even if you live outside "Tornado Alley," the area of the country that runs north from Texas through eastern Nebraska and northeast to Indiana, you are still vulnerable to tornadoes.

Kansas, Oklahoma and Texas may see more of these unpredictable and dangerous storms than other states, but the rest of the country also gets its share of twisters.

Learn more about what you need to know to make sure you're covered

Have you experienced a natural disaster?  Where you properly covered by insurance?  Give us your feedback below.