2024 Tornadoes – Insurance Claim and Recovery Help

If your home or business was damaged or destroyed in a recent tornado, United Policyholders’ Roadmap to Recovery® program will help you on your road to recovery and make good decisions or repairing or rebuilding or replacing your home.

You can search to see if your community was included in a federal disaster declaration here and learn if you qualify for assistance. Links to state-specific assistance are included in the Government Bulletins and Announcements section below. President Biden approved the following major disaster declarations for multiple states due to destructive tornadoes in April and May 2024:

Texas https://www.fema.gov/disaster/4781

Iowa https://www.fema.gov/disaster/4779 (April), https://www.fema.gov/disaster/4784 (May), https://www.fema.gov/disaster/4796 (June)

Nebraska https://www.fema.gov/disaster/4778

Oklahoma https://www.fema.gov/disaster/4776 (April), https://www.fema.gov/disaster/4791 (May)

Kentucky https://www.fema.gov/disaster/4782

Arkansas https://www.fema.gov/disaster/4788

Tennessee https://www.fema.gov/disaster/4792

In the months ahead, you will have to deal with lots of paperwork and make important financial decisions.  The word most commonly used to describe people’s mind set after a natural disaster is “overwhelmed.”  While insurance funds can’t bring back your cherished mementos, they are critically important to repairing, rebuilding and restoring your quality of life.

UP recommends documenting damaged and destroyed property, getting a complete current copy of your insurance policy, and finding temporary lodging that is comfortable and safe.  If you are unable to return to your home, you may be able to access insurance funds through your “Additional Living Expense” Coverage.

Understanding what damaged or destroyed your property and the basics of how the insurance claim process works will help you navigate your recovery.

Insurance is a vehicle to get you back where you were before your losses, but it won’t drive itself.  You have to drive it or get help if you can’t.

UP offers tips, information, sample letters and tools to help each person recover the full amount they’re entitled to and avoid and solve problems if they come up.  We have your back when insurance matters.  UP is a charity…a non-profit with expertise on insurance and helping consumers. We do not sell insurance, give legal advice or represent individuals in claim matters.  United Policyholders has over 30 years of experience helping improve recovery in disaster-impacted communities.  We’re rooting for you and here to help.  No strings attached.  You paid for an insurance safety net and we are here to help you get what you paid for.

Key Tips

  • Take photos of the damage before any clean-up or repairs are done and completely document and value all damages and costs to repair or replace your property.
  • Keep a journal of conversations with insurance, repair, government, and other professionals.
  • Check your home policies for special deductibles or coverages related to wind damage.
  • Start working on a detailed and itemized “proof of loss” form but don’t rush and leave things out.
  • Give your home insurer a chance to do the right thing, but advocate for yourself and be prepared to get help if you’re not being treated fairly. Sources of help include professional claim advocates and attorneys, and your state’s Department of Insurance. Please visit our State-by-State library for additional resources.
  • If an insurance adjuster says damage isn’t covered, but you feel it should be, get an independent professional opinion before giving up on getting some or all of your claim paid.

Click for more First Steps After a Tornado

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