Some of you may remember the F5 Tornado that hit Barneveld, Wisconsin on June 7th, 1984. This tornado killed 9 people, injured nearly 200 and caused about $25 million in damage. This tornado and the one that hit Moore, Oklahoma this week are unfortunate reminders of how important it is to protect yourself from the potential financial impact of natural disasters.

There is a national average of 14 minutes between the time a tornado warning is issued and the time the tornado hits. Because of this short amount of time, it's vital to be prepared and knowledgeable about a tornado in advance.

Tornado Preparation for Homeowners

• Make advanced evacuation plans (determine evacuation route, fueling car, preparing supplies, etc.)
• Be aware of the nearest, safe shelter
• Bring outdoor property inside the home (lawn equipment, toys, tools, etc.)
• Install or build a proper "safe room"
• Cover/Secure all windows and doors
• Have a portable radio and stay tuned to accurate source of weather broadcasts.
• Turn off (unplug) small appliances and turn refrigerators/freezers to their highest settings.
• If applicable, turn off fuel/oil tanks.

Tornado Preparation for Small Businesses

• Consider installing impact-resistant film on your windows.
• Gather a list of vendors and telephone numbers of individuals or entities that are critical to your daily operations.
• Prepare a list of companies that can assist you in recovery efforts, such as removing debris, moving and computer services.
• Provide employees with a chain of command and list of responsibilities in the event that a disaster strikes.
• Prepare a list of your employees and their contact information.
• Arrange for communication with your clients and customers, in the event of a disaster, to keep them informed

• Install emergency backup lights that turn on when the power goes out.

• Back up your data on a frequent basis and keep this information off-site.

Emergency Supply Checklist

• Flashlight and extra batteries
• Battery-powered radio
• Ready-to-eat canned foods, fruits and vegetables.
• Water stored in plastic containers
• Keep a three-day supply of medications on-hand as well as pain relievers and stomach remedies.
• Blankets
• Paper plates, cups and utensils
• Manual can opener
• First-aid kit

Insurance Considerations

1. Know your coverage. A basic homeowners policy should cover the damage of a tornado but make sure you have enough coverage to completely rebuild your home and replace your belongings.
2. Take inventory. Homeowners insurance covers not only the structure, but the property inside as well. Make a list of what you have, to ensure your possessions are adequately covered.
3. Consider your car. The comprehensive portion of an auto policy should take care of any damage from a tornado.
4. Consider living expenses. If your house is damaged by a tornado, where are you going to live while it's being repaired? Check if your homeowners insurance will pay for living expenses if you are displaced.
5. What to do in the aftermath. After making sure everyone is safe, contact your insurance agent. Have their contact information in a safe place with your inventory list.

Beyond your typical policies, you may also wish to purchase flood insurance. Contact us to discuss your exact needs and potential coverages that are right for you.