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Would your home be covered in the case of a disaster?

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AMARILLO - With the severe weather the region, calls have flooded into the NewsChannel 10 newsroom about everything from tornado safety, to how to know if your home will be covered in the event of a disaster.

But NewsChannel 10 is not the only group getting flooded with those questions, area insurance agencies have also been bombarded with post-Oklahoma tornado concerns.
 
The actual tornado hit 200 miles away, but the fear hit much closer to home.

"We've been getting phone call regarding coverage. People are asking if severe weather, whether it's hail or a tornado, if they're covered," Amarillo State Farm Insurance Agent, Don Tipps said.

The answer to that question is most likely yes, if you have homeowners insurance.

Most policies cover wind, hail, and tornado damage.  The question is, do you have enough?

"Worst case scenario, something like that happens, would you have enough have to rebuild as it is now, would you have enough to replace all of your belongings," Tipps said.

All it takes to find the answer is a phone call to your insurance agent.

That goes for renter's insurance as well, which is fairly cheap and covers all furniture and personal belongings.

"It's very simple, it doesn't take very much time at all," Tipps said.

In the event of a wide spread disaster like that in Oklahoma, it could take days or even weeks for an insurance adjuster to survey the damage, and temporary repairs may be needed.

In the event you need to hire someone to make those quick repairs, the Better Business Bureau says be wary.

"In the event of a disaster, there are scam artists that really hook onto the headlines and take advantage of a situation," Better Business Bureau Spokesperson Janna Kiehl said.

To prevent getting scammed, the BBB says research your window, roofing, and other repair companies now, so you know who to call as soon as disaster strikes.

"It's always best to prepare ahead of time and know who you're going to call if something happens," Kiehl said.

Insurance agents say always call them before making those temporary repairs, and never pay a contractor the full price up front for a large scale project.

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