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Damage caused by wind and hail cost
- Texas 42,000 claims
- Illinois 26,000 claims
- Georgia 25,000 claims
- Oklahoma 17,000 claims
- Minnesota 15,000 claims
- Indiana 15,000 claims
- Louisiana 14,000 claims
- Ohio 14,000 claims
- Mississippi 13,000 claims
- Nebraska 12,000 claims
Preparing Your Home, Preparing Your Family - Tornado
Tornadoes are among the most destructive forces of nature. While no state is immune to a twister's violent winds, there are places where they touch down more often. The highest concentration of tornadoes is in
- If you do not have a safe room or a tornado shelter, you should identify what might be the safest area of your home or business during tornadoes. This is usually the basement or a small interior room without windows.
- Head to the center of your home or basement, away from windows and preferably under something sturdy like a workbench or staircase or in a bathtub with a mattress over top of you.
- Don't open your windows! This won't save the house and may actually make things worse by giving wind and rain a greater chance of getting inside. Get to the safest place possible, away from glass that can break and injure or kill you.
- Closing interior doors will also help to compartmentalize the structure and provide more barriers between you and the storm.
- Don't try to ride out a tornado in a manufactured home. Even manufactured homes with tie-downs overturn in these storms because they have light frames and offer winds a large surface area to push against.
- Never try to outrun a tornado. Instead, leave the vehicle immediately for safe shelter.
- If you can safely get lower than the level of the roadway, such as in a ditch, leave your car and lie in that area, covering your head with your hands.
- Do not get under an overpass or bridge. You are safer in a low, flat location.
Preparing Your Home, Preparing Your Family – Wind and Hail
High winds due to thunderstorms, tornadoes and other wind events are not just a coastal issue and cause millions – and often billions – of dollars in property damage each year. Roofs are frequently damaged in high wind and hail events.
- If you are indoors when a storm with large hailstones strikes, stay there. Because hail can shatter windows, close your drapes, blinds or window shades to prevent the wind from blowing broken glass inside. Stay away from skylights and doors.
- If weather conditions are prime for hail storms, pull cars, boats, RVs, lawn and patio furniture into a covered area.
- Good tree pruning can prevent many problems. Prompt removal of diseased, damaged, or dead plant parts helps reduce the possibility of future storm damage.
- When building or remodeling, consider impact resistant roofing to reduce hail damage to your home.
State Farmcurrently offers insurance premium discounts to homes with qualifying impact-resistant roofing products in 26 states and one Canadian province.
After the Storm – Recovery
The period following a natural disaster can be disorienting and dangerous. Below are a few tips that may help relieve some of the uncertainty and help you stay safe, secure your property, and begin the claims process in the aftermath of a major event.
- Use your emergency water or boil tap water before drinking until you are told the water supply is safe. Food that came in contact with water may be contaminated and should be discarded.
- Visually inspect your home for structural damage and take reasonable steps to prevent further damage. For example, board up holes with plywood and cover leaks with plastic sheeting.
- If a major disaster was declared for your area, federal housing assistance may be available.
Federal Emergency Management Agency(FEMA) administers post-disaster housing programs. Otherwise, organizations such as the American Red Crossmay offer help.
- Your insurer will require you to document any damage to your property and provide receipts for recovery-related expenses. Be sure to save all receipts for home repairs, vehicle towing and repairs, temporary housing, meals, and other living expenses. Also, photograph and list all damaged, spoiled, or contaminated items, including quantity, description, and age.
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