The American Property Casualty Insurance Association (APCIA) has published recommendations on how policyholders harmed by the disaster can recover following a tornado that rocked Andover, Kansas last week.
The EF3 tornado that crashed into Andover, according to the APCIA, was powerful enough to destroy both homes and cars. All locals affected by the hurricane are asked to “work closely with their insurance company,” according to the group.
“The good news is that most severe weather-related disasters like tornadoes are covered under a homeowners, renters, automobile, or business insurance policy,” said Hilary Segura, APCIA associate vice president of state government affairs.
Segura emphasised that most homeowners and renters insurance policies reimburse additional living expenses if their house is rendered uninhabitable due to a covered loss. According to the AVP, additional living expenses coverage will cover things like temporary accommodation, laundry services, restaurant meals, and more.
“Residents should also check with their insurance company to see if their policy covers expenses incurred while being evacuated,” Segura added. “When homeowners contact their toll-free phone number, app, or website, insurers plan for extreme weather and are well prepared to assist them promptly.”
All tornado victims, according to the APCIA, should “use their insurer or agent as a resource” in obtaining the resources required to handle an insurance claim. Homeowners should also be cautious and hire only reputable companies, according to the association.
According to the APCIA, the number of tornado reports in March established a new record, according to statistics from the NOAA National Centers for Environmental Information’s “State of the Climate” report.
“Because storms can strike swiftly and without notice at this time of year, proper planning is crucial,” Segura warned. “Being ready includes having the necessary insurance coverage for houses, apartments, and companies, in addition to having an emergency supply kit on available and being prepared to take cover.”
