So, what if something like that happened to your home? Would your insurance cover the damage, and would you have what you need to get the full benefit of your policy?
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If this happened to you, State Farm insurance agent Jeff Kolp said as long as you have a homeowner's insurance policy, then all wind damage is covered after you pay your deductible.
“Standard deductible in today's world is $1,000, so if they had a $200,000 home insured for $200,000 completely gone, they should have $199,000 for the house, plus whatever was there for their contents,” said Kolp.
The damage from a tornado is considered simply wind damage, regardless of whether it just takes off a few shingles or levels your entire house. With standard homeowners insurance policy, not only is the structure covered, but typically what's inside is covered too, based on a percentage of your whole policy, said Kolp.
“Typically, the possessions are 75 percent of the dwelling insurance amount, so a $100,000 home or a $100,000 insurance policy on a structure should have $75,000 standard for contents,” said Kolp.
If you are a renter and are concerned about your belongings, wind damage is typically covered if you have renter's insurance, said Kolp.
However, to get the full amount for all of your belongings, make sure you have proof of your possessions, in case they are damaged beyond recognition.
“Ideally they'd have some sort of record of personal contents whether that's written down, photographs, videotapes, something like that to document what they actually had,” said Kolp.
Having those records also expedites the process of getting reimbursed from your insurance company.
As for extensions of your home, like detached garages and sheds, the policies can vary. However, Kolp said they are usually covered with a 10 percent value of your property insurance. So, if you have a $100,000 policy, extensions of your home would have $10,000 worth of coverage.