Are you covered on your HOME policy? Yes, tornadoes are covered in New York as part of ‘WIND’ coverage and not excluded. In some states, like Florida, ‘Wind’ is excluded from standard home policies. You are forced to buy wind coverage if desired. This is very similar to Flood coverage, which is excluded from policies and you must buy back coverage if desired on a separate policy.
However, in New York, ‘Wind’ coverage (including tornadoes) are covered on Home owners policies. We, your personal, accountable and reachable agents are here for you. In fact, Hopmeier Evans Gage has many procedures, plans and systems in place to help you in the event of a disaster similar to Joplin, MO.
Our help and assistance will be here to our friends, neighbors and clients at their time of need. Coverage is tricky and we always want you to know what you are buying and how best to cover your assets.
You know what they say ‘The Wrong Coverage is Never a Bargain’.