While we all love the warmer temperatures and sunshine that summer brings, violent storms like tornadoes can also be part of the season. There are many steps we can take to keep our families safe and minimize the impact on our homes to protect what’s important to us.
Tornado and Storm Safety – Watches vs Warnings
Make sure your family knows the difference between a Watch and a Warning. Follow the recommendations from local enforcement agencies.
- A Tornado Watch means that weather conditions are right for violent weather, such as tornados or severe thunderstorms to form. Know the signs of an upcoming storm and postpone outdoor activities if needed.
- A Tornado Warning means that a tornado (an actual funnel-shaped cloud) has been sighted or detected nearby. When a Tornado Warning is given, seek shelter immediately until the danger has passed.
Be Prepared for Severe Storms or Tornadoes
- Talk with your family and develop an emergency plan about where to go when there is a tornado warning.
- Have a personal inventory of your possessions secured in an off-site location (more on the value of a Personal Property Inventory below).
- Contact your insurance agent to make sure your home is properly covered in case of a storm. If you want to get multiple quotes from different companies to compare to your current home insurance rates, contact MG Insurance at 320-235-9394.
- Teach responsible family members how to shut off the utilities such as water, gas, and electricity in your home.
- Secure outdoor toys, lawn furniture, or other loose items so they do not become airborne in strong winds.
The Value of Having a Personal Property Inventory
One way to be prepared for the unexpected, like a storm or a fire, is to keep an inventory of your household furnishings and possessions. Many people use photos, videos, or receipts to help document the valuables in their home. When storing your personal property inventory, keep it in a secure location away from your home, such as with a family member or in a safety deposit box.
What to do After a Storm
- Check that the people around you are safe and call for help if needed.
- Watch for danger such as gas leaks, down power lines, or broken glass.
- If your home is damaged, do not enter, but contact your insurance agency. If you are insured through MG Insurance, call us at 320-235-9394 and we will guide you to the next step.
Do you have the Right Home Insurance?
Whether you have a manufactured home or a traditional home, having adequate insurance coverage for your home and your personal property is a solid investment. Your home insurance will include dwelling coverage, other structures, personal property coverage, loss of use coverage, and personal liability coverage. Review your current insurance policy’s deductibles, coverage limits, and exclusions with your insurance agent to make sure it is adequate for your needs. The amount you choose for your insurance deductible is how much you need to be prepared to pay if you have a covered loss. Make sure you are including new purchases of valuables and additions or renovations to your home since your last insurance review. Some additional homeowners insurance coverages include special personal property, jewelry and valuable items, water backup and sump pump discharge or overflow, green home coverage, and other options. Give the agents at MG Insurance in Willmar, MN a call at 320-235-9394 or fill out the form below, and we can provide you with insurance quotes from multiple providers since we are an independent agent.