Tornadoes commonly occur in Massachusetts. Most Massachusetts homeowners insurance policies classify tornado damage as wind damage. Destruction to your property from a tornado is usually covered by basic home insurance, but some policies may have a higher deductible for wind damage so it is important to read your contract carefully. Understanding the two main terms usually used to describe tornado danger can help you stay safe when living in a tornado prone area.
Tornado watch: this means a tornado is possible so make a point of listening to media updates. Your family may have to move to a safe place extremely quickly so remind everyone to stay close to the appropriate tornado shelter. The signs of a tornado threat may be a low, dark cloud or a spinning funnel shaped cloud. Be aware that sometimes a tornado can develop so rapidly there may be no obvious danger signs beforehand.
Tornado warning: this means you need to go to a tornado shelter immediately. A passage way or inner room on the lowest level may be the safest area in a multi level building. Leave vehicles and mobile homes and take shelter in the nearest solid structure. Lie flat in a ditch or low point if caught outside in a tornado and stay aware of flying debris.
After a tornado has passed remember to keep listening to media alerts for potential emergency situations that may have been caused by the storm. It is also a good idea to take photographs of any damage for your Massachusetts homeowners insurance claim. With Downey Insurance Group, you can get the coverage you need with our agency’s assistance. Contact us today for more information!
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