Tulsa Tornado Damage Claims Lawyers

Understanding Your Tornado Insurance Policy

When a tornado strikes, understanding your homeowners insurance policy is crucial. Many homeowners assume their policy covers all storm-related damage, but insurers often have specific exclusions and limitations that could impact your claim.

• Types of Coverage: Most standard policies provide protection in three main areas:
• Dwelling Coverage – Pays for structural damage to your home, including the roof, walls, and foundation.
• Personal Property Coverage – Covers damaged or destroyed belongings, such as furniture, electronics, and clothing.
• Additional Living Expenses (ALE) – Helps cover hotel stays, food, and other expenses if you cannot live in your home during repairs.

Not all tornado damage is covered equally, and some policies have limitations or exclusions that homeowners must be aware of.

Exclusions & Limitations:

• Wind vs. Flood Damage – While most policies cover wind-related damage, flooding from storm surges or heavy rains is often not covered unless you have a separate flood insurance policy.
• High Deductibles – Tornado-related claims may have higher deductibles, meaning homeowners must pay more out of pocket before coverage applies.

Reviewing your policy carefully and consulting with an attorney can help you avoid unexpected denials or delays.

Common Insurance Tactics to Delay or Deny Claims

Insurance companies are in the business of paying out as little as possible, and many use tactics to delay or reduce claims. Understanding these strategies can help you protect your rights.

• Lowball Settlement Offers – Some insurers intentionally underestimate repair costs, hoping homeowners will accept a lower amount than they deserve. If the initial offer seems too low, it’s wise to get an independent inspection or legal review before accepting.
• Unnecessary Delays – Insurers may ask for excessive documentation, repeatedly request more inspections, or drag out the process. This can be frustrating, especially if repairs are urgent. Keeping detailed records of communication can help push the process forward.
• Claim Denials for Technical Reasons – Some companies deny claims based on minor paperwork errors or claim the damage was pre-existing. If your claim is unfairly denied, seeking legal assistance can help you challenge the decision.

Steps to Take After Tornado Damage

After a tornado, acting quickly and documenting everything can make a significant difference in how your insurance claim is handled.

• Documenting Damage:
  Tornado damage isn’t always obvious. Taking detailed photos and videos of your home—both inside and out—can help prove the extent of the destruction. Also, keep receipts for temporary repairs and any expenses related to living elsewhere if your home is uninhabitable. Getting a professional inspection can help uncover hidden damage that insurance adjusters might overlook.
• Filing Your Claim Properly:
  The sooner you report the damage, the better. Contact your insurance company as soon as possible, providing a thorough written summary of damages along with photos and repair estimates. Keep a record of all communication, including emails and phone calls, to ensure there is a clear trail of your claim progress.
• Working with Adjusters:
  When the insurance adjuster arrives to inspect your property, be present during the inspection to ensure all damages are properly assessed. If their offer seems too low, do not feel pressured to accept it. You have the right to negotiate a fair settlement and seek legal representation if your claim is unfairly denied or underpaid.