A major storm rolled across Texas on April 26 and 27, dropping large hail over several regions and producing at least eight tornados. Reports of damage from the tornado-producing storm were widespread, including damage to governmental and public buildings, such as the Waxahachie police headquarters and a high school in Rio Vista. Governmental policyholders have a lot to handle after a serious spate of storms like this recent one, and their insurance claims for the losses aren’t always as easy as they should be. In some cases, the process of trying to get a fair claim resolution can be just as overwhelming as the damage from the storm itself.
Tornado-Producing Storms Produce More Than Just Tornado Damages
The direct damage from even a “weak” tornado can be extensive, and a strong tornado is devastating for those in its path. However, the severe storms that produce tornados are often highly damaging in their own right, creating related damages from:
- Flash flooding
- Heavy, driving rainfall
- Power outages
- High winds
Unfortunately, the indirect damages that are sustained from a tornado may not be covered by tornado policies. Instead, you may be required to “separate out” different damages and submit claims under the appropriate policy—even if all of the losses came from one storm event.
Tornado Claims for Government and Public Entities Are Different
Public and government buildings carry insurance coverage that is very different from commercial and homeowner policies, but they are still vulnerable to complicated, denied, and underpaid claims. When the public is depending on you to reopen your doors and get back to providing needed services, you can’t risk your recovery. When you have sustained extensive losses in a tornado or severe storm, you have to be proactive and assert your rights as a policyholder.
If you are having trouble resolving a claim for storm damage to public or governmental buildings, or if you have questions about your rights as a policyholder, contact the experienced attorneys with the Voss Law Firm today at 888-614-7730 for immediate help with your concerns.