Wind-related damage is usually covered in a standard home insurance policy, and this includes wind from tornados. Tornadoes are devastating: With winds that can reach more than 300 miles per hour, tornadoes can obliterate anything in its path. Over the past 10 years, an average of 1200 tornadoes has touched down on the United States each year.

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To ensure that you have enough insurance to cover the cost of rebuilding or repairing the structure of your home, replacing your personal property, and covering additional living expenses incurred should you have to live elsewhere in the aftermath of a tornado, you should do the following:

• Alert your insurance agent every time you make improvements to your home and other structures on the premises. Failure to do so results in inadequate coverage.
• Keep a detailed inventory of your personal possessions by storing photographs of personal property and/or video, along with receipts in a safe place.
• In the aftermath of a tornado, building materials are in great demand, which increases the cost of rebuilding. To cover inflated building costs, purchase an extended replacement policy to give you an extra 20 percent coverage above your policy limits.
• Add an inflation guard to your policy. Every time you renew your policy, this readjusts to reflect the rising construction costs in your area.

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• ISO reports that in 2005, tornadoes accounted for $632 million in damages nationwide.
• Tornadoes not only strike the Midwest—each of the 50 states has experienced tornado in recorded history.
• Tornadoes strike at any time, but are most likely to occur between 3 p.m. and 9 p.m.