The Tornado Threat in South Florida
Tornado Alley is a colloquial term for that portion of the Midwest and Southern Great Plains where the tornado threat is exceedingly high. Florida is many hundreds of miles away from the heart of tornado alley. Yet, despite what many people believe, tornados are still a real threat in our region. Most famously, the 1997 Miami Tornado twisted through the city’s downtown skyscrapers, producing truly dramatic pictures that went all around the globe.
Though that famous tornado only produced moderate damage, our region has also seen some storms that have resulted in major financial losses for home and business owners. At Geyer Fuxa Tyler, our top-rated Fort Lauderdale property insurance attorneys handle all types of storm damage and property insurance claims. We want to ensure that South Florida home and business owners are fully prepared with adequate insurance coverage for any of the risks that they might face.
What is Covered By Your Policy?
As a homeowner, you need to know what type of damage is covered by your insurance policy. Generally speaking, most standard Florida homeowners’ insurance policies do offer coverage for tornado-related damages. As tornado damage tends to be a form of wind, combined with some rain damage, those losses are entitled to coverage just as other wind and rain damage would be. However, it is still important to read over terms and exclusions of your particular policy, in order to ensure that you actually have sufficient coverage for all of your property for which you wish to obtain financial protection.
Are there Gaps in Your Policy?
As a Broward County property owner, your odds of dealing with tornado damage are extremely low. Yet, if a tornado does rumble through, the damage that you do have to deal with could be truly devastating. A strong tornado (F3 or higher) could result in a total loss. This is concerning for homeowners in our region, as many people have significant gaps in their insurance policies. For reference, the Associated Press found that more than 96 percent of all American homeowners carry some type of property insurance coverage. Yet, more than one in three homeowners have notable gaps in their coverage. This means that, should their home be completely destroyed, they would not have enough coverage to replace the full value of their losses. When thinking about the risks associated with catastrophic storms like tornados, full loss is a possibility. It is imperative that all property owners think about and prepare for the worst case scenario. After all, it is always better to be safe rather than sorry.
Get Property Insurance Help in Fort Lauderdale
At Geyer Fuxa Tyler, our top-rated property insurance lawyers have helped many Florida homeowners recover just compensation for their financial damages. If your tornado damage claim has been denied, please do not hesitate to contact us today. We will review your case for free, with no strings attached and determine precisely what needs to be done to protect your best interests. We serve property owners throughout the region, including in Weston, Margate and Cooper City.