Tornado Damage
Tornados, no matter the size, can inflict tremendous damage to properties — from easy-to-see damage to windows and siding to harder-to-find damage to foundations. Dealing with your policy might make your head spin. You can rely on the team here at Keathley Claims Consultants to help you navigate your policy so you can be made whole again.
Dos & Don'ts of
Tornado Damage
DO
- Do Call 911 if necessary. Protect life — ensure all people and pets are safe.
- Do Put our number (419) 504-1601 into your contacts and speed dial.
- Do Call us for names of vendors we know to be proven to handle tornado damage and recovery.
- Do Contact your insurer. They can explain next steps. You may receive emergency funds for a hotel, or they may dispatch a 24/7 contractor to your property.
- Do Keep anyone not directly involved in the claim or clean-up from entering your property before remediation. If someone gets injured, you could be liable.
DON'T
- Don't Don't leave the adjuster by themselves. Walk around with them. Be there when they're going through and point things out they might not be aware of.
- Don't Don't start any work until you and the insurer agree on the Scope of Loss. Without this, you may jeopardize having enough in your final settlement to restore your property to its pre-loss condition.
- Don't Don't throw away any damaged items until the insurance adjuster has had an opportunity to come and assess the damage. Know who has salvage rights.
Disclaimer: We're not contractors, please seek contracting advice from licensed contractors who specialize in this field.
Other Claim Types
Ohio Claim Help
Why Tornado Damage Claims Get Underpaid
Insurance carriers often narrow the scope, separate related damage, miss hidden conditions, or price repairs below what Ohio contractors actually need to restore the property.
KCC documents the damage, reviews the policy, builds the claim position, and pushes back when the insurance estimate does not match the real loss.
Call KCC When
- The first estimate will not cover the repairs.
- The carrier says part of the damage is old or unrelated.
- The claim is delayed, denied, or stuck in review.
- You want a policyholder-side review before accepting payment.
When The Amount Is Still Wrong
What Is Appraisal?
Appraisal is a policy process for resolving disputes over the value of a covered loss. If your insurance company accepts coverage for tornado damage but the numbers are too far apart, appraisal may help move the claim toward a binding amount.
Insurance Appraisal Services