Tornado Season in Arkansas: What Homeowners Need to Know
Spring brings warmer temperatures, blooming flowers, and longer days, but in Arkansas, it also signals the start of tornado season. With severe storms peaking between April and June, now is the time to ensure your home and belongings are protected against the unexpected.
At Boone Ritter Insurance, we help Arkansas homeowners and renters prepare for extreme weather by making sure they have the right coverage. Let’s break down what you need to know about tornado preparedness and how insurance can provide peace of mind during storm season.
How Tornadoes Impact Arkansas Residents
Arkansas experiences an average of 39 tornadoes per year, making it one of the most tornado-prone states in the country. These storms can bring destructive winds, hail, and flash flooding, leading to significant property damage and financial strain.
Even if you don’t live in a high-risk tornado zone, strong winds from severe storms can still cause major damage. Reviewing your insurance policy now can help ensure you’re financially prepared if disaster strikes.
Does Your Homeowners Insurance Cover Tornado Damage?
Most standard homeowners insurance policies do cover damage caused by tornadoes and windstorms. However, it’s important to review the specifics of your policy to understand what is included and whether you need additional coverage.
Key areas to check:
Dwelling coverage:Â Does your policy cover the full cost to rebuild your home after tornado damage?
Personal property coverage:Â Are your belongings protected against wind, water, and debris damage?
Additional living expenses:Â If your home is unlivable after a tornado, will your policy cover temporary housing costs?
What About Flooding and Hail Damage?
While wind damage is typically covered, flood damage is not included in standard homeowners insurance policies. If heavy rains or storm surges lead to flooding, you may need a separate flood insurance policy for protection.
Hail damage can also be a concern during tornado season. Be sure to review your policy’s deductible for hail-related claims, as some policies have a separate deductible for wind and hail damage.
How to Prepare for Tornado Season
While you can’t stop a tornado, you can take steps to minimize damage and keep your family safe:
Create a storm safety plan and designate a safe shelter area in your home.
Keep an emergency kit with food, water, batteries, flashlights, and first-aid supplies.
Secure outdoor furniture and structures to prevent them from becoming airborne hazards.
Review your insurance policy and update coverage if necessary.
Boone Ritter Insurance can help you understand your policy and make sure you have the right level of protection before tornado season reaches its peak.
Stay Covered Before the Storm Hits
Don’t wait until severe weather is in the forecast—review your insurance policy now to ensure you have the coverage you need. Contact Boone Ritter Insurance today to discuss your tornado preparedness plan and update your coverage.