1. Build an emergency kit that includes basic household items you may need in the event of an emergency. This could include bottled water, ready-to-eat snacks, battery operated radio, flashlights, extra batteries, blankets, etc.
2. Make a family communications plan in case your family is not together when disaster strikes. Your plan should include how to receive emergency alerts and warnings, how to get to a safe location, how to get in touch if phone service and internet is down, how to let loved ones know you're safe and how to get to a meeting place after the emergency.
3. Listen to the weather forecast to stay up-to-date on any potential storms headed your way. In addition, make sure you're aware of how your city or area notifies people of an emergency situation, i.e. sirens, website or text updates, etc.
4. Look for danger warning signs such as a dark, often greenish sky, large hail, a large, dark, low-lying cloud (particularly if rotating), and/or a loud roar, similar to a freight train. If you see approaching storms or any of the danger signs, be prepared to take shelter immediately.
5. Reinforce your doors and windows for extra protection from wind and flying objects. In preparation for tornado season, re-install your storm doors and storm windows. If you have a storm cellar, reinforce it with steel doors.
6. Prepare a safe room where everyone can go in the event of a tornado. If you have a storm cellar already, that's great. If not, it's important you have a space in the basement or room in the middle of the house where you can all go to be safe.
7. Make sure your homeowners insurance is up-to-date, so you don't have any unexpected surprises when you go to file a claim.
Typical homeowners insurance policies include coverage for tornado damage. Unlike with earthquakes, floods, etc., a separate policy is usually not needed for tornadoes. With that being said, studies have shown that around 64% of U.S. homes are underinsured. In the event of a total loss due to a tornado, many people will not have enough money to rebuild their homes. Tornadoes generally cause wind damage which can blow the roof off of homes. If that happens and a home's contents are destroyed by rain, standard policies will cover it. Homeowners insurance also covers homes' contents and living expenses while the home is being rebuilt.
Our Lake of the Ozarks insurance company is here to help you make sure you're covered for any situation that may result in an insurance claim. From homeowners and auto insurance to business insurance, we've got you covered. We offer a variety of coverage at competitive prices. Give Insure the Lake a call today at 573-348-2794 for more information on insurance coverage at the Lake of the Ozarks.
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About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.
Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral
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