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Missouri Home Insurance and Tornado Preparations in St Louis MO

Wind. Hail. Storms. OH MY!

MJM Insurance of St Louis | Missouri Home Insurance | (314) 645-2100 Your safety is our number one priority – especially during tornado season. We’re going to cover Missouri Home Insurance and Tornado Preparations in St Louis MO.  No home can be made “tornado-proof,” but, homeowners can, and should, prepare for tornadoes ahead of time to improve the odds of their home surviving high winds by taking precaution.

Often times there is confusion between a tornado watch and tornado warning. A watch is issued when weather conditions are favorable for the development of severe thunderstorms that are capable of producing tornadoes, large hail storms and high winds. If severe weather actually does occur, a tornado warning would then be issued.  The Weather Channel offers free weather alerts. Click here to find out more.

Here are some ideas to help you prepare and protect yourself and your family:

  • Decide where your safe place is going to be.  An interior room, basement or local shelter.  When a tornado approaches, go there immediately. If you have no time to get to shelter, head to the center most part of your basement or home — away from windows and preferably under something sturdy like a workbench or staircase. The more walls between you and the outside, the better.
  • Become familiar with your community’s severe weather warning system and make certain every adult and teenager in your family knows what to do when a tornado watch or warning sounds.
  • Learn about your workplace’s disaster safety plans and similar measures at your children’s schools or day care centers.
  • Create a family plan in case you are able to move to a community shelter and identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.
  • Establish a contact point to communicate with concerned relatives. Keep in mind, when a tragedy hits a large geographical area, everyone is calling someone, or emergency departments from their cell phone.
  • Keep an emergency kit readily available.  Include a three-day supply of drinking water and food you don’t have to refrigerate or cook; first aid supplies; a portable weather radio; a wrench and other basic tools; a flashlight (there are flashlights with a wind up power source versus the need for batteries.  Consider extras like work gloves; portable lanterns; clothing; blankets; baby items.
  • Move anything in your yard that can become flying debris inside your house or garage before a storm strikes. Do this only if authorities have announced a tornado watch, however. If authorities have announced a tornado warning, leave it all alone.
  • Don’t open your windows. You won’t save the house, as once thought, and you may actually make things worse by giving wind and rain a chance to get inside.

A tornado can seriously impact many areas of your life – your home, your apartment, your car, your business!  Make sure you are protected all around!

 

MJM Insurance of St Louis | Missouri Home Insurance | (314) 645-2100 There are many ways to purchase Missouri Home Insurance.  For homeowners to make sure they have the right protection in place, policy holders should meet with a licensed insurance professional to review coverages.  MJM Insurance of St Louis recommends an annual review of your Missouri Home Insurance policy; because there are many choices in coverages, endorsements, discounts, etc…  it can be a bit overwhelming.

Home Insurance policies are rated by the insurance industry in tiers. This means the cost of your homeowners insurance policy can be  very different based off the risk of the home, value, location, etc.  Please understand, you’re not just buying a product;  you’re protecting your financial well being…and the choices you make could affect you for the rest of your life. For additional Missouri Home Insurance information click here.

MJM Insurance of St Louis’ motto is “Expect More. Receive More.”  We are a full service independent insurance agency who represents many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Missouri insurance industry, our agents are knowledgeable and competent specializing in, not only home insurance, but also auto, renters, boat, motorcycle, business automobile, workers compensation, and general liability. With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.

So, let’s get together and review your homeowners insurance policy to make sure you have sufficient coverage to rebuild your life and home after a tornado. Report any property damage to your insurance agent or company representative immediately after a natural disaster and make temporary repairs to prevent further damage. For information about filing an insurance claim after a natural disaster, contact MJM Insurance of Fenton.

Here are a few link for you to become prepared, protect your family – including your pets!

MJM Insurance of St Louis | Missouri Home Insurance | (314) 645-2100

According to Tornado History Project, 47 tornadoes touched down in 2014!

Now is a good time to review tornado safety procedures – for home, for school, for work, in the car, and while you’re traveling.  And if you are considering a storm shelter, take a look at Tornado Project Online to learn more about shelters.

If you don’t regularly watch or listen to the weather report, but strange clouds start moving in and the weather begins to look stormy, turn to your local radio/television station or visit www.weather.com to get the weather forecast.

Remember, if a tornado “watch” is issued for your area, it means that a tornado is “possible.”  If a tornado “warning” is issued, it means that a tornado has actually been spotted, or is strongly indicated on radar, and it is time to go to a safe shelter immediately.

Call Us – We Are Here For You!

 

Source: Institute for Business and Home Safety. IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.

Missouri Home Insurance and Tornado Preparations

Missouri Earthquake Insurance | It’s Time To Review Your Policy

Missouri Department of Insurance Suggests 

Homeowners Should Consider Buying Earthquake Coverage

 

Missouri Earthquake Insurance | St Louis MO  (314) 645-2100

According to an article published by the Missouri Department of Insurance, Financial Institutions & Professional Registration, many Missourians are having trouble getting Missouri Earthquake Insurance Coverage. Recent insurance data demonstrates that southeast Missouri is experiencing an insurance coverage crisis.

Click here to read the full article on Department of Insurance Website.

Contact MJM Insurance of St. Louis City today for a free insurance review and we’ll help you determine if you qualify for Missouri Earthquake Insurance.

 

Watch the earthquake preparedness videos created by Missouri school children!

 

Helpful Resources:

http://www.nehrp.gov/library/plan_prepare.htm

http://www.fema.gov

http://earthquake.usgs.gov

http://www.ready.gov/kit

http://dnr.mo.gov/geology/geosrv/earthquakes.htm

http://www.redcross.org

http://www.nhc.noaa.gov

http://www.eas.slu.edu/Earthquake_Center

Where To Learn More About Home Insurance In St Louis MO

MJM Insurance® of St Louis City is the Place!

Where To Learn More About Home Insurance In St Louis MO | MJM Insurance® St Louis City | (314) 645-2100MJM Insurance® of St Louis City knows it is important to help home owners understand the options and how to best protect their family and assets in case of a loss.  Our agents are here to help business owners know where to learn more about home insurance in St Louis MO.

As a homeowner there is more to stake than just your mortgage. Homeowners are also responsible for personal injury as well.  If someone were to get injured while visiting friends, they could sue you for medical bills, loss of wages, etc.  MJM Insurance® of St Louis City can help you find where to learn more about home insurance in St Louis MO.

Not any homeowner policy is the same. Your policy includes literally dozens of options and there are many decisions you must make that determine how much insurance protection you actually have and/or need.  Your home insurance policy is not just a piece of paper that you think you’ll never use.  If disaster strikes you’ll be glad you are protected!

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St Louis MO Home Insurance

Contents And Personal Property Insurance

St Louis MO Home Insurance | MJM Insurance® of St Louis City | (314) 645-2100You may think getting the right home insurance means just calling an agent, giving him your address, what year the home was built, and some details on the property is enough.  Getting the right St Louis MO Home Insurance is important to protect you, your family, and your home – if there is a loss.  Selecting MJM Insurance® of St Louis City is your best choice for licensed insurance agents who can provide you comprehensive homeowners insurance.

Think about your existing policy – did your agent come to your home and take photos?  What if you have an above ground swimming pool and it collapses, flooding your basement?  What if your neighbor’s tree falls on your home?   Do you have a record of the content in your home and how it is covered by your homeowners insurance?

It is imperative to discuss the above scenarios, and other areas about your property with your agent.  MJM Insurance® of St Louis City can help you identify items in, and around your home, that may, or may not, be covered.

First, if you own your home, contents or personal property insurance will be part of your overall house insurance policy. If you rent, it’s still important to get contents insurance as your landlord’s building policy will not cover your belongings  There are many options when it comes to insuring the contents of your home. Understanding the coverage you need and the pros and cons of the major insurers will help you get the best coverage for the best price.

Start by performing a proper valuation of your contents.  Take photographs, videos and make a complete list of your personal items.  Save receipts and/or record the dates purchased and the purchase price. It is important to have an estimate value of your belongings recorded with your insurance policy. If you combine contents insurance with a house policy, the contents portion is often valued at a percentage of the house value. If you do not establish a detailed valuation of your assets, it may leave you under insured or paying premiums that are too high.

The most common mistakes homeowners make are thinking their home insurance policy covers everything and do no seek the services of a professional insurance agent.  It is important to understand the limitations of your coverage. Regardless of the contents policy you choose, it may not cover every loss situation or every asset. Your MJM Insurance® of St Louis City insurance agent will explain the “exclusions or limitations” of your homeowners insurance policy and make so that you have any additional endorsement to ensure you are covered.

Expensive artwork, jewelry, and other “collectibles” may need to be insured separately. If you’re a collector of antiques or vintage items such as sports cards or antique glass, your collection will most likely not be fully covered under a standard contents policy. You may be able to obtain a rider on your policy to cover the collection, or you may have to obtain separate insurance for it. This is also true for large art collections and expensive jewelry. Business Insurance Coverages St Louis Missouri | MJM Insurance® Of St Louis City | (314) 645-2100 If the collection is worth several thousand dollars or irreplaceable, you should have the items appraised. The appraisal certificate will be required by the insurance company to verify the contents exist.  We recommend keeping all your paperwork in a safe location, so that they are accessible in the event of a loss.

Beware of the commercials that advertise “home insurance for as little as $$$ a month”.  These low-cost policies may only cover the minimum, leaving you at great risk. Don’t settle for cheap insurance and lose the proper coverage, customer service or timely claims payments. Your home insurance is going to be in place for a long time, so choose a company with a good reputation and a policy that meets your coverage needs.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent to find the best coverage for the lowest price.  MJM Insurance® of St Louis City proudly represents many of the industry’s leading national and regional insurance companies offering competitive rates through AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens more.

Normal office hours are Monday – Friday from 9 am to 5 pm. Our agents are available for after hours appointments and Saturdays as requested.  We are dedicated to providing the most exceptional and timely customer service in the industry!

Tornado Preparation & Safety TIPs | St Louis City Missouri

 

Tornadoes are Extremely DangerousTornado Preparation & Safety TIPS | MJM Insurance of St Louis City  (314) 645-2100

Tornadoes are one of nature’s most violent storms that occur in Fenton Missouri. MJM Insurance® of St Louis City would like to make certain you have the right coverages on your home insurance in case your home is damaged by a tornado. The following tornado preparation and safety TIPs will help to save lives and lessen injuries and property damage.

Spawned from powerful thunderstorms, tornadoes can cause fatalities and devastate a neighborhood in seconds. A tornado appears as a rotating, funnel-shaped cloud that extends from a thunderstorm to the ground with whirling winds that can reach 300 miles per hour. Damage paths can be in excess of one mile wide and 50 miles long.

Every state is at some risk from this hazard. Some tornadoes are clearly visible, while rain or nearby low-hanging clouds obscure others. Occasionally, tornadoes develop so rapidly that little, if any, advance warning is possible. Before a tornado hits, the wind may die down and the air may become very still. A cloud of debris can mark the location of a tornado even if a funnel is not visible. Tornadoes generally occur near the trailing edge of a thunderstorm. It is not uncommon to see clear, sunlit skies behind a tornado.

Tornado Preparation & Safety TIPs: How to Prepare for a Tornado

This article has been prepared to provide information about Tornado Preparation & Safety TIPs in St Louis Missouri.  Below are important links from the www.ready.gov site.

  • Before  How to prepare for Tornado Safety in St Louis Missouri
  • During  What to do during  a Tornado in St Louis Missouri
  • After   What to do after  a Tornado in St Louis Missouri
  • More Information  about Tornado Safety in St Louis Missouri
  • Preparing a Safe Room

 Tornado Preparation & Safety TIPs: Before a Tornado Strikes

  • To begin preparing, you should build an emergency kit and make a family communications plan.
  • Listen to NOAA Weather Radio or to commercial radio or television newscasts for the latest information. In any emergency, always listen to the instructions given by local emergency management officials.
  • Be alert to changing weather conditions. Look for approaching storms.
  • Look for the following danger signs:
    • Dark, often greenish sky
    • Large hail
    • A large, dark, low-lying cloud (particularly if rotating)
    • Loud roar, similar to a freight train.
    • If you see approaching storms or any of the danger signs, be prepared to take shelter immediately.

Tornado Preparation & Safety TIPs: Tornado Facts

Quick facts you should know about tornadoes:

  • They may strike quickly, with little or no warning.
  • They may appear nearly transparent until dust and debris are picked up or a cloud forms in the funnel.
  • The average tornado moves Southwest to Northeast, but tornadoes have been known to move in any direction.
  • The average forward speed of a tornado is 30 mph, but may vary from stationary to 70 mph.
  • Tornadoes can accompany tropical storms and hurricanes as they move onto land.
  • Waterspouts are tornadoes that form over water.
  • Tornadoes are most frequently reported east of the Rocky Mountains during spring and summer months.
  • Peak tornado season in the southern states is March through May; in the northern states, it is late spring through early summer.
  • Tornadoes are most likely to occur between 3 pm and 9 pm, but can occur at any time.

Tornado Preparation & Safety TIPs: Know the Terms

Familiarize yourself with these terms to help identify a tornado hazard:

Tornado Watch – Tornadoes are possible. Remain alert for approaching storms. Watch the sky and stay tuned to NOAA Weather Radio, commercial radio or television for information.

Tornado Warning – A tornado has been sighted or indicated by weather radar. Take shelter immediately.

Tornado Preparation & Safety TIPs:  During a Tornado

If you are under a tornado warning, seek shelter immediately!  Most injuries associated with high winds are from flying debris, so remember to protect your head.

IF YOU ARE IN: THEN:
A structure (e.g. residence, small building, school, nursing home, hospital, factory, shopping center, high-rise building)
  • Go to a pre-designated area such as a safe room, basement, storm cellar, or the lowest building level. If there is no basement, go to the center of a small interior room on the lowest level (closet, interior hallway) away from corners, windows, doors, and outside walls. Put as many walls as possible between you and the outside. Get under a sturdy table and use your arms to protect your head and neck.
  • In a high-rise building, go to a small interior room or hallway on the lowest floor possible.
  • Put on sturdy shoes.
  • Do not open windows.
A manufactured home or office
  • Get out immediately and go to a pre-identified location such as the lowest floor of a sturdy, nearby building or a storm shelter. Mobile homes, even if tied down, offer little protection from tornadoes.
The outside with no shelter If you are not in a sturdy building, there is no single research-based recommendation for what last-resort action to take because many factors can affect your decision. Possible actions include:

  • Immediately get into a vehicle, buckle your seat belt and try to drive to the closest sturdy shelter. If your vehicle is hit by flying debris while you are driving, pull over and park.
  • Take cover in a stationary vehicle. Put the seat belt on and cover your head with your arms and a blanket, coat or other cushion if possible.
  • Lie in an area noticeably lower than the level of the roadway and cover your head with your arms and a blanket, coat or other cushion if possible.

In all situations:

  • Do not get under an overpass or bridge. You are safer in a low, flat location.
  • Never try to outrun a tornado in urban or congested areas in a car or truck. Instead, leave the vehicle immediately for safe shelter.
  • Watch out for flying debris. Flying debris from tornadoes causes most fatalities and injuries.

Tornado Preparation & Safety TIPs: After a Tornado

Injury may result from the direct impact of a tornado or it may occur afterward when people walk among debris and enter damaged buildings. A study of injuries after a tornado in Marion, Illinois, showed that 50 percent of the tornado-related injuries were suffered during rescue attempts, cleanup and other post-tornado activities. Nearly a third of the injuries resulted from stepping on nails. Because tornadoes often damage power lines, gas lines or electrical systems, there is a risk of fire, electrocution or an explosion. Protecting yourself and your family requires promptly treating any injuries suffered during the storm and using extreme care to avoid further hazards.

Injuries

Check for injuries. Do not attempt to move seriously injured people unless they are in immediate danger of further injury. Get medical assistance immediately. If someone has stopped breathing, begin CPR if you are trained to do so. Stop a bleeding injury by applying direct pressure to the wound. Have any puncture wound evaluated by a physician. If you are trapped, try to attract attention to your location.

General Safety Precautions

Here are some safety precautions that could help you avoid injury after a tornado:

  • Continue to monitor your battery-powered radio or television for emergency information.
  • Be careful when entering any structure that has been damaged.
  • Wear sturdy shoes or boots, long sleeves and gloves when handling or walking on or near debris.
  • Be aware of hazards from exposed nails and broken glass.
  • Do not touch downed power lines or objects in contact with downed lines. Report electrical hazards to the police and the utility company.
  • Use battery-powered lanterns, if possible, rather than candles to light homes without electrical power. If you use candles, make sure they are in safe holders away from curtains, paper, wood or other flammable items. Never leave a candle burning when you are out of the room.
  • Never use generators, pressure washers, grills, camp stoves or other gasoline, propane, natural gas or charcoal-burning devices inside your home, basement, garage or camper – or even outside near an open window, door or vent. Carbon monoxide (CO) – an odorless, colorless gas that can cause sudden illness and death if you breathe it – from these sources can build up in your home, garage or camper and poison the people and animals inside. Seek prompt medical attention if you suspect CO poisoning and are feeling dizzy, light-headed or nauseated.
  • Hang up displaced telephone receivers that may have been knocked off by the tornado, but stay off the telephone, except to report an emergency.
  • Cooperate fully with public safety officials.
  • Respond to requests for volunteer assistance by police, fire fighters, emergency management and relief organizations, but do not go into damaged areas unless assistance has been requested. Your presence could hamper relief efforts and you could endanger yourself.

Inspecting the Damage

  • After a tornado, be aware of possible structural, electrical or gas-leak hazards in your home. Contact your local city or county building inspectors for information on structural safety codes and standards. They may also offer suggestions on finding a qualified contractor to do work for you.
  • In general, if you suspect any damage to your home, shut off electrical power, natural gas and propane tanks to avoid fire, electrocution or explosions.
  • If it is dark when you are inspecting your home, use a flashlight rather than a candle or torch to avoid the risk of fire or explosion in a damaged home.
  • If you see frayed wiring or sparks, or if there is an odor of something burning, you should immediately shut off the electrical system at the main circuit breaker if you have not done so already.
  • If you smell gas or suspect a leak, turn off the main gas valve, open all windows and leave the house immediately. Notify the gas company, the police or fire departments, or State Fire Marshal’s office and do not turn on the lights, light matches, smoke or do anything that could cause a spark. Do not return to your house until you are told it is safe to do so.

Safety during Clean-up

  • Wear sturdy shoes or boots, long sleeves and gloves.
  • Learn proper safety procedures and operating instructions before operating any gas-powered or electric-powered saws or tools.
  • Clean up spilled medicines, drugs, flammable liquids and other potentially hazardous materials.

FEMA Publications

If you require more information about any of these topics, the following resources may be helpful.

Related Websites

Find additional information on how to plan and prepare for a tornado and learn about available resources by visiting the following websites:

Listen to Local Officials

Learn about the emergency plans that have been established in your area by your state and local government. In any emergency, always listen to the instructions given by local emergency management officials.

What You Should Know about how Home Insurance Works with Tornado Damage

You don’t have to be a resident of the south or the midwest, where recent tornadoes wreaked havoc on thousands of lives, to get the message being sent by Mother Nature. It seems that she, too, is a strong advocate of homeowner’s insurance. And occasionally, she flexes her abilities to remind everyone within her reach about its importance.

But even those who have home insurance have been having trouble getting compensated for their losses, through no fault of the insurance companies. The fact is, tornado insurance is great to have, but if you don’t understand how it works, it can be pretty useless to you.

One of the things most often forgotten, and something that insurance agents are currently seeing a lot of in the wake of the recent tornadoes, is a lack on the part of insurance holders to catalog their possessions. You don’t have to go through your home jotting down every single refrigerator magnet – but if you intend to have that priceless grandfather clock insured, you’d better have record of its existence, as well as its value.

MJM Insurance® of St Louis insurance agents strongly urge our customers to use a camera to catalog all expensive belongings, and to gather as much proof of ownership and proof of value as possible so that there are no problems filing a claim in the event of disaster.

Why Choose MJM Insurance® of St Louis City?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance® of St Louis City team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of St Louis City have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance® of St Louis City has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.