Tornadoes are among the most devastating weather events, with the highest-category funnels reaching wind speeds over 260 mph. Although they can occur anywhere, certain areas of the U.S. are particularly likely to see these types of wind storms, such as the central region of the nation known as “Tornado Alley.” If your home is located in a tornado-prone area, it’s essential to make sure that your homeowners insurance policy provides coverage for this disaster.

What Is Tornado Coverage?

Tornado coverage is the aspect of homeowners insurance, which would help cover the costs of repairing or reconstructing your home if a tornado damages it. Some plans may also provide coverage for personal belongings damaged in a wind storm, including those kept inside your house. Many policies cover damage caused by a natural disaster, including hail and wind damage, but it’s essential to read your agreement carefully to ensure that you have adequate coverage.

Are You Covered for Tornadoes?

insurance Lexington, KYTo determine whether your insurance policy covers tornado damage, look for any verbiage regarding wind storms. If you can’t find any wording about damage caused by high winds or wind storms, you may not be covered. Additionally, keep in mind that losses caused by perils that may accompany tornadoes, such as flooding, may also require additional coverage. 

What Are the Benefits of Coverage?

Having coverage for tornado damage can protect you in one of two ways. While you’ll need to pay a certain amount before the insurance company contributes funds, known as a deductible, you can then either be reimbursed for the actual cash value of the items you’ve lost or the cost of replacing damaged items. This helps to ensure that you can reclaim the property you lost even if an unforeseen natural disaster affects your home. Just be sure that your policy covers all of your personal belongings. In some cases, extra endorsements may be needed to include high-value electronics or mechanical equipment.


If you’re seeking insurance coverage that will protect you in the event of a tornado or another type of natural disaster, turn to Reed Brothers Insurance. Serving Lexington, KY, this independent agency has been trusted throughout the community since 1912. They represent a variety of companies, including Progressive® and State Farm®, and work to find the best policy possible to meet each client’s unique needs. Request a quote by calling (859) 253-2728 or by visiting their website.