Wind. Hail. Storms. OH MY!
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!
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.
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.
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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