With gusting winds that can reach 300 miles per hour, there's nothing you or anyone can do to stop a tornado in its tracks. But there are measures you can take to protect yourself, your family and your home from its damaging effects.
How to Prepare Before a Tornado
Tornadoes can come quickly, without warning. That's why it's important to prepare ahead of time if there are warnings or you are in an area prone to tornadoes. Follow these guidelines:
What to Do During a Tornado
Try to remain calm during a tornado. The more you plan ahead, the easier it is to stay focused and stay safe during the storm. If possible, monitor NOAA Weather Radio or local television and radio stations for updates and evacuation instructions. Follow these other steps to protect yourself, your family and your home during a tornado:
Close interior doors to provide more barriers between you and the storm.
What to Do after a Tornado
Once the tornado is over, stay out of damaged structures, whether it's your home, office or another building, until authorities indicate it's safe to go inside. If you are trapped, try to make noise, scream or whistle to get the attention of rescue workers. These additional tips can help you and your family stay safe and minimize injuries or damage:
This information is advisory in nature. No liability is assumed by reason of the information in this document.
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.
With very limited exception, 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 a reasonable increase in your normal living expenses, which could include:
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. Under some policies, this coverage only applies if a civil authority has forced you to evacuate your home.
Tree Removal: Unless covered elsewhere under the policy, we may pay the reasonable expenses you incur to remove trees felled by 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 www.chubb.com. 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.