Do You Need Tornado Insurance?
By Diane Tait Florida tornado damage image courtesy USAF Even if you don’t live in Kansas, tornadoes occur with frightening regularity. Believe it or not, Kansas isn’t the state with the most twisters per annum. Texas leads the nation, with Kansas in the number two slot followed by the Sunshine State of Florida, which is where I live. That’s right, Dorothy, Florida on average gets more tornadoes than Oklahoma, Nebraska and Colorado, even though it’s nowhere near Tornado Alley. That’s simply because when the sun isn’t shining in the Sunshine State, we get lots and lots of thunderstorms and hurricanes which can spawn tornadoes. But that’s hardly unique. Unless you live in Alaska, there’s always the possibility of a tornado visiting your state. Should a twister come roaring down your street, the chance for catastrophic damage to your property is extreme. The question is whether your homeowner’s policy will cover all the dama...