Tornadoes can happen all across the country, but Florida sees its fair share. In 2022, Florida had the fifth-highest number of tornadoes in the United States, at 73. Mississippi had the most, at 183.
A tornado, in a nutshell, is a violent storm involving air. Tornadoes are formed from thunderstorms and involve a rotating column of air that touches the ground. They occur when updrafts of warm and wet air collide with cold air. This air is unstable and can cause significant damage to homes, vehicles, trees, and other objects.
Major tornadoes have significant force and can cause people to get seriously injured or killed. Mobile homes can be completely flattened and homes can be ripped from their foundations. Livestock and landscaping can get destroyed. Cars can get tumbled and damaged.
Tornadoes require the right conditions, which includes a layer of moist warm air near the ground. This type of weather typically occurs during spring and summer thunderstorms — from March to May.
Tornadoes have ratings that are based on the strength of their winds. These ratings are based on the Enhanced Fujita scale and can determine the damage they cause. There are six categories of tornadoes:
- EF-0. These are 65 to 85 mph winds that can result in damage to house gutters, siding. and roofs. Small trees may get knocked over.
- EF-1. These are 86 to 110 mph winds that can roll over a mobile home. Roofs can get stripped. Exterior doors to homes are often removed.
- EF-2. These are 111 to 135 mph winds that remove roofs from homes, remove large trees from the ground, and lift cars off the ground.
- EF-3. These are 136 to 165 mph winds that can damage multiple stories of well-built homes. Trains can overturn and trees can lose bark. These tornadoes can throw heavy vehicles through the air.
- EF-4. These are 166 to 200 mph winds that can destroy well-built homes and throw cars into the air.
- EF-5. These are 200 mph winds that can devastate everything in their path, including high-rise buildings.
If you have tornado insurance, you may receive compensation for these damages:
- Loss of home. You may be entitled to coverage for the replacement value or current market value of your home.
- Coverage for other structures. Garages, tool sheds, and other separate structures may be covered by insurance.
- Personal property. Damaged belongings from a tornado may be covered.
- Loss of use. When you cannot use your home and must pay for temporary living accommodations, you can recover compensation for those costs.
Contact Us Today
Tornadoes can cause significant damage to a home. If you have insurance, make sure your damages are paid for.
A Lakeland tornado damage insurance lawyer from Ruel Law Firm can help you take action against an insurance company that doesn’t want to take responsibility. We’ll help you get your claims paid. To schedule a consultation, fill out the online form or call (833) RUEL-LAW.