​Contact Us: (805) 496-8835  |  AGENT LOGIN  |  CLIENT LOGIN
Hayek Insurance
  • Home
  • Quotes
    • Commercial Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
      • Short Term Insurance Quote
      • Next Insurance quote
      • Coterie Insurance quote
    • Personal Quotes >
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Advantage Plan Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Earthquake Insurance Quote
        • Apartment Insurance
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Accident Insurance Quote
        • Classic Car Insurance Quote
        • Roadside Assistance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Annuity Quotes
        • Disability Insurance Quote
        • Final Expense Insurance Quote
      • Other Quotes >
        • Boat Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
        • Liquor Store Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Direct Payment to Hayek
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
  • Consultation
  • Insurance
    • Commercial Insurance >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Personal Insurance >
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Vision Insurance
      • Medicare >
        • Medicare Advantage Plans
        • Medicare Supplement Coverage
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Accident Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Life/Financial >
        • Life Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
        • Umbrella Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
        • Liquor Store Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Client Login
    • Videos
    • Blog
    • News
  • Contact
  • Home
  • Quotes
    • Commercial Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
      • Short Term Insurance Quote
      • Next Insurance quote
      • Coterie Insurance quote
    • Personal Quotes >
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Advantage Plan Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Earthquake Insurance Quote
        • Apartment Insurance
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Accident Insurance Quote
        • Classic Car Insurance Quote
        • Roadside Assistance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Annuity Quotes
        • Disability Insurance Quote
        • Final Expense Insurance Quote
      • Other Quotes >
        • Boat Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
        • Liquor Store Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Direct Payment to Hayek
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
  • Consultation
  • Insurance
    • Commercial Insurance >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Personal Insurance >
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Vision Insurance
      • Medicare >
        • Medicare Advantage Plans
        • Medicare Supplement Coverage
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Accident Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Life/Financial >
        • Life Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
        • Umbrella Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
        • Liquor Store Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Client Login
    • Videos
    • Blog
    • News
  • Contact

Hayek Insurance Blog

How Can Tornado Damage Affect Your Insurance Policy

5/6/2022

0 Comments

 
Picture
​Coping with the wreckage of a tornado is worrisome enough—you don't need to add to it by worrying about your insurance policy. If you have Homeowners' or Renters' insurance, we wanted to take a moment to go over the fundamentals with you: What else are you protected for in the event of tornadoes?
Is tornado damage covered by renters or homeowners insurance?
Tornadoes are classified as "windstorms", which is commonly one of your policy's listed risks. Because everyone's circumstances are different, it's important to check your policy. Keep in mind that you'll have to pay a deductible and that your insurance policy will have limitations.

Difference Between Homeowners and Renters Insurance
Since you're a homeowner, your homeowners' insurance will most likely cover tornado-related damage to your home. If you're a renter: Damage to your personal belongings would also be covered, depending on the specific cause. 

Coverage Exceptions
Please remember that you will not be covered for any flooding damage in the event of a tornado. However, this is generally not a concern in the aftermath of tornadoes. But it's still a good idea to understand how your insurance policy handles flood damage—you can learn more about that in your contract.

In addition, your car is not considered "personal property" and is not covered by your homeowners' or renters' insurance. So, if a tornado causes a tree to fall on your car, that would be covered by your auto insurance.

Can I file a Loss of Use claim when my power goes out due to bad weather?
If your home is destroyed due to certain specific circumstances, the Loss of Use section of your Homeowners or Renters policy can assist you. Power outages are not covered by your policy if there is no other physical damage to the building. 

Your insurance will also not cover any frozen or refrigerated food that is ruined due to a power outage.

Tornado Safety Tips
Assuming you live in a tornado-prone location, there are things you can do to strengthen your property and prevent damage before it occurs. 
  • Your roof should be reinforced. Have a professional attach hurricane clips on the inside of your roof. 
  • All personal items should be kept to avoid being swept away by the storm.
  • Gather documents such as your home's deed, birth certificates, and Social Security cards.

Conclusion
You must always be aware of what your insurance policy covers. In case of disaster, you’ll be less worried knowing which is covered.

At Hayek Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (805) 496-8835 or Click Here to request a free quote. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!
0 Comments



Leave a Reply.

    Contact Us

    (805) 496-8835
    3205 Old Conejo Rd
    2nd Floor
    Newbury Park, CA 91320
    Click Here to Email Us

    Archives

    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020

    Categories

    All
    Auto Insurance
    Business Insurance
    Business Owner's Package (BOP) Insurance
    FAQs
    Financial
    Health Insurance
    Home Insurance
    Insurance
    Landlord Insurance
    Life Insurance
    Local
    Medicare Advantage Plans
    Renters Insurance
    Safety

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login
Client Login

Connect With Us

Share This Page

Contact Us

Hayek Insurance
3205 Old Conejo Rd
2nd Floor
Newbury Park, CA 91320
(805) 496-8835
Licensed #: 0F09609​
Click Here to Email Us
Review Us

Location

Wildwood Cyn NewburyParkCA Photo by  Howcheng | CC-BY-SA-3.0-migrated | Website by InsuranceSplash