When a municipality is hit by a major tornado, the temptation may be to work toward getting the biggest issues covered—but don’t overlook some of the smaller ways that your community can recover. While municipalities may immediately look at coverage for direct tornado damages, there are often additional coverages included in the policies carried or temporary assistance programs.
How Much of Your Municipality’s Tornado Costs Are Covered by Insurance and Assistance?
Besides direct damage from the storm, the insurance coverage for your municipality may also include the costs of:
- Debris removal
- Sewer and utility interruptions and complications
- Road and transportation system repairs
- Closure of public offices and services
- Indirect water and post-storm damage
- And more
Ultimately, it all depends on the coverage your municipality carries, the government assistance available to you, and how the insurance companies involved interpret your policies. In some cases, it may be up to you to cover the costs of some types of damage. In other cases, you may find out that you have coverage if you look closely. Just keep in mind that the insurance company is unlikely to tell you that you’re overlooking a way to recover more fully from a tornado. If you are unsure what your government or organization may be eligible for, take the time to get in contact with an experienced policyholder attorney who can analyze your coverage and maximize your recovery.
If you have any questions about a tornado insurance claim for a local government, public institution, or municipality, don’t hesitate to contact our law office at 888-614-7730 for more answers and a free case review.