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Catastrophe Center: Tornado - Common Coverages



Common Personal Insurance Coverages Following a Tornado

Because most of Chubb’s Homeowner policies provide “all risk” coverage, physical damage to your home or other structure on the property caused by a tornado may be a covered loss. However, in some circumstances a special deductible may apply in lieu of your standard deductible. 

Chubb only covers damage caused by flood, surface water or ground water if you have purchased a Chubb Personal or Excess Flood Insurance policy. 

We may also pay the following extra coverages (the base deductible or a special deductible may apply):

Additional Living Expenses
If a covered loss to your house, other permanent structure or contents makes the dwelling(s) uninhabitable, we may provide coverage for any reasonable increase in your normal living expenses, which could include:

  • Temporary residence,
  • Hotels, meals, transportation, etc.
  • Pet kenneling,
  • Replacing lost fair rental value, or
  • Other increases to normal living expenses, as described in the policy. 

However, power outages that do not result from a covered loss to your property will not trigger Additional Living Expenses. 

Temporary Precautionary Repairs
After a covered loss, we may provide coverage for temporary precautionary repairs to protect the home, contents, or other structures from further damage.

Debris Removal
We may pay for the cost to demolish damaged property and remove debris.

Forced Evacuation
If you are forced to evacuate your home or other permanent structure as a direct result of a covered loss or a reasonable threat of a loss covered under the policy, we may cover the reasonable increase in normal living expenses for up to 30 days. This might include hotel and meal expenses or kenneling for pets. 

Tree Removal
Unless covered elsewhere under the policy, we may pay the reasonable expenses you incur to remove trees fallen due to wind or hail.  Special coverage limits will apply.

Food Spoilage
If you have coverage for Contents, we may cover the cost of spoiled food and wine caused by power interruption.  Special coverage limits and deductibles apply in most states.

Please review your policy for complete details of the coverage contained in your policy.

Chubb Group of Insurance Companies (“Chubb”) is the marketing name used to refer to the insurance subsidiaries of The Chubb Corporation. For a list of these subsidiaries, please visit our website at  Chubb Personal Insurance (CPI) is the personal lines property and casualty strategic business unit of Chubb & Son, a division of Federal Insurance Company, as manager and/or agent for the insurers of the Chubb Group of Insurance Companies. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Coverage may not be available in all jurisdictions. 

Chubb, Box 1615, Warren, NJ 07061-1615.