Tornadoes and Homeowner Insurance

Is Tornado Damage Covered Under Homeowners Insurance?

Fortunately, most standard homeowners insurance policies cover tornado damage under windstorm protection. However, not every policy is the same, and there are critical factors to consider:

• High-Value Property Protection: Homes in areas like Bloomfield Hills and West Bloomfield often have unique architectural features and high-end finishes. Ensure your dwelling coverage adequately reflects the cost to rebuild your home.
• Personal Property Coverage: Protect valuable belongings such as electronics, designer furniture, and art collections typically found in high-income homes like those in Northville or Troy.
• Additional Living Expenses (ALE): ALE coverage is essential if you are displaced from your home due to tornado damage. It covers temporary living arrangements, like hotel stays, at costs reflective of your area.
• Windstorm Deductibles: Tornado-related coverage often has specific deductibles. Our professionals can help you choose an affordable option.

Why Michigan Homeowners Trust E&Y Insurance Agency, LLC

E&Y Insurance Agency, LLC isn’t just another insurance provider – we’re an independent insurance agency with access to a large network of top-rated insurance companies. This allows us to tailor policies specifically for the unique needs of homeowners in Michigan’s high-value communities.

Reasons to Choose Us:

• Access to Multiple Carriers: By partnering with a variety of trusted insurance companies, we ensure you get the best coverage for your needs at competitive rates.
• Customized Solutions: From luxury homes in Bloomfield Hills to family homes in Sterling Heights, we’ll build a policy that reflects your lifestyle and potential risks, including tornadoes.
• Local Expertise: We specialize in the unique needs of Michigan homeowners and understand the risks of tornadoes and other seasonal weather events.
• Personalized Guidance: We’ll walk you through the process, answer your questions, and help you fully understand your coverage options.
• Exceptional Customer Service: When disaster strikes, we’re here for you. We ensure fast, efficient claims service so you can recover quickly.

Prepare for Tornadoes: Tips for Michigan Homeowners

While having the right insurance is essential, preparation can help reduce storm damage.  Here are a few tips:

1. Identify a safe space in your home, such as a basement or interior room with no windows.
2. Secure outdoor items like grills and patio furniture to prevent them from becoming projectiles during high winds.
3. Assemble an emergency kit with supplies such as bottled water, non-perishable food, medications, a flashlight, and important documents.