If you’ve got tornado insurance coverage and you haven’t had to use it yet, consider yourself lucky. But even if you do have to use it, you’re in a far better position than someone who isn’t insured under the same circumstances. Having home insurance coverage to be able to rely on at a time like that can be a lifesaver, both physically and emotionally.
As you’re dealing with your insurance company in the aftermath, it’s important that you stay very involved in the process. For some, there’s a tendency to just let go and let the insurance company take control – it can be comforting to do that, and to relax in knowing that someone’s acting on your behalf as an advocate to put a roof back over your head. But there are some stark realities you should consider, chief of which is the tendency by some home insurance providers to underestimate the amount of damage done, and therefore the amount of money they pay out to you.
If you feel that your home damage has been undervalued by representatives of your home insurance company, you’re well within your rights to get a second opinion. Doing so won’t forfeit your right to coverage, and is standard practice when events as devastating as tornadoes occur. In order to ensure that this doesn’t happen in the future, be sure to review your level of coverage when comparing insurance quotes to set in place an accurate value for your home and its belongings.