How Can I Lower My Homeowners Insurance While Living in Tornado Alley? | | Think Realty | A Real Estate of Mind

Many countries have natural disasters that they often experience. In California, it’s earthquakes; coastal cities, and storms and floods. And then there is Tornado Alley.

Although not officially defined, Tornado Alley is known to be parts of Texas, Louisiana, Oklahoma, Kansas, South Dakota, Iowa and Nebraska, with several other states sometimes included.

Living in one of these regions means that you will probably experience a storm soon. So what does this mean for your home and homeowners insurance?

Living in Tornado Alley

If you’re considering moving to an area within Tornado Alley — or if you’ve recently moved — there are a few things you should know about living with tornado risk.

  • First, you need to know the language when looking for weather forecasts and information. A stormy wind look it means that there could be a hurricane, but it hasn’t happened yet. A stormy wind warning it means that there is a strong wind in the area and you need to find shelter. A stormy wind suddenly it means you are in the path of a severe storm and need to seek shelter immediately.
  • You must have some type of shelter in your home. Underground storm shelters are ideal – many homes built in areas prone to storms already have such shelters built into the basement or cellar.
  • Make sure you do extra batteries and mobile chargers It is important to communicate well. Some choose to have iridium satellite phones or handheld radios instead if other means of communication fail.
  • Have a plan in place and make sure everyone in your family knows about it. Regular exercise is no longer a problem.
  • Check the weather! Whether you watch live broadcasts or download them apps to help you stay up to date with the weatheris one of the biggest steps you can take to avoid accidents.

Tornado Insurance

Then, of course, there is the issue of tornado insurance. One of the first things you should do is check to see if your homeowner’s insurance covers hurricane damage – because not all policies cover all costs. And if they don’t, it might be time to compare insurance rates and get new home owner insurance.

So what types of things does tornado insurance cover, and what should you look for?

  • Hurricane damage. When looking at your policy, check to make sure that hurricane damage is not included, and know what your exclusions are. Some policies also include utility bills, which can help pay for food and shelter if you can’t stay in your home after a storm.
  • Flood damage. Hurricanes aren’t just about damaging wind and snow. They can also damage pipes and water sources. Your standard home insurance won’t cover this, but it may offer it as a separate purchase.
  • Instead – the cost of home insurance. Few things are worse than having your home destroyed by a hurricane and finding out that your coverage won’t allow you to rebuild. Make sure your policy will give you all the coverage you need.

Downloading Your Homeowners Insurance in Tornado Alley

Tornadoes are inevitable, and if you live in an area where they are common, there is nothing you can do to stop them. All you can do is prepare and hope for the best. Beyond picking up homeowner’s insurance or comparing quotes to find the best policy, what can you do?

As a result, one of the most useful things you can do is to insure your home as much as possible. A home that is protected from hurricane damage means that your claim can be much less.

Here are a few ways you can reduce tornado damage to your home:

  • Entry points such as doors and windows are often the weakest, and the most easily damaged by storm debris. In some cases, strong winds entering the house can cause the walls to collapse. Invest in heavy duty doors and windowsand to strengthen the garage shutter.
  • Strengthen your roof. This is another vulnerable part of your home when it comes to hurricanes. You can buy it stirred up the metal storm short which makes your roof stronger, or glues roof trusses to metal and wood with super strong adhesives.
  • Wooden houses are not built to withstand hurricanes. ICFs (Preservative Concrete Forms) can reinforce your walls with reinforced concrete, making them more resistant to storms and hurricanes. As an added bonus, ICF-built homes are often less energy efficient, meaning you can save money on your energy bills.

Finally, there is one more thing to keep in mind if you live (or are considering living) in Tornado Alley. The higher cost of homeowner’s insurance is often offset by the lower cost of living. So it’s not expensive to own a home in Tornado Alley – it just requires some thought.