In the summer of 2021, a tornado touched down in west Colorado near the Denver area. Though a relatively small tornado that lasted for less than an hour, it still hit a few buildings and homes, causing significant damage. The high winds caused a few homes to lose roofing and siding, and torn down a few power lines as well. One of the power lines that fell down hit a home, causing the home to set fire. Those in the surrounding area where the tornado was expected to hit were told to evacuate from the area and find shelter to avoid any deaths and injuries.
Tornadoes Cause Serious Damage
In the United States alone, nearly 1,000 tornadoes touch down every year. Specifically in the midwest, tornadoes are not uncommon; usually when a tornado comes in a more populated area, it causes a ton of damage to surrounding communities and neighborhoods. This damage includes taking roofs and siding off houses, destroying power lines and causing long-term outages, and other damage that requires a lot of time and money to repair.
When it comes to individual homes, damage done by tornadoes can be devastating. This is why many people have some form of home insurance to protect them from paying a lot of money to rebuild after a natural disaster. Most homeowners insurance plans cover tornadoes and the damage done by these types of storms. However, insurance plans differ when it comes to how much they cover following a tornado, and what is expected in terms of deductible and what damage is covered. If you have a homeowners insurance policy in an area that has tornadoes, you will want to review what all is covered under your specific plan.
First-Party Insurance Claims for Tornadoes
Following a tornado, after you’ve been able to get somewhere safe and ensure your family is okay, you will want to assess the damage done to your property. Keeping a detailed log of the damage caused by the tornado will help you provide accurate and robust information to your insurance agent as you submit a claim.
When you’ve paid your monthly insurance premium, and give your insurance provider everything they need to process a claim following a tornado, it can be incredibly disappointing to have issues with your insurance agency and company. Sometimes, insurance providers will act unlawfully following a claims file – this includes ignoring your claim and communications, or failing to provide you with reasonable explanation as to why your claim is taking more time to process or has been denied.
If you are experiencing these types of issues with your insurance company, or need help filing a difficult claim your insurance provider may not side with you on, it is best to hire an insurance lawyer. Insurance attorneys understand the laws related to insurance claims and what constitutes a bad faith claim. Punishable by law, providing a bad faith claim will help you to get the coverage you need following a disaster on your property. The law offices of Michael M. Raheb, P.A., have expert Colorado insurance lawyers available to assist you in legal proceedings related to insurance claims issues. These insurance lawyers will work on your behalf to ensure you are treated fairly.