Wait… Did That Say Tornado Warning? Yes. Yes, It Did.
Like many of you, I did a double take when I saw the tornado warning come through in Western Washington. Tornadoes? Here?? We’re used to rain, windstorms, and the occasional tree crashing into a power line, but funnel clouds? That’s a new one for most of us.
Naturally, a few clients reached out and asked, “Is that even covered?” Great question, and I’m here to clear that up.
Yes, Tornadoes Are a Covered Form of Loss in Washington
Even though tornadoes are rare in the Pacific Northwest, most standard homeowners insurance policies include windstorms as a covered peril. And yes, tornadoes fall under the windstorm category. That means if your home is damaged by a tornado—roof ripped off, windows shattered, siding peeled away—your policy likely has you covered.
Here’s what that means in practical terms:
Your deductible applies. If you have a $2,500 deductible, that’s what you’d be responsible for before the insurance kicks in.
Detached structures like garages and sheds are usually covered too, but check your limits.
Personal belongings damaged by the tornado would be covered under your contents coverage.
Loss of use coverage may help with hotel costs or temporary housing if your home becomes uninhabitable.
So, Why Are We Even Getting Tornado Warnings?
Honestly? Weather’s getting weird. Climate instability means we’re seeing all kinds of “rare” weather events cropping up in places they haven’t historically. It’s unsettling, but it’s also a reminder of why we carry insurance in the first place. Not for the everyday stuff. For the “I never thought this would happen” days.
If You’re Reading This During a Warning
Get to a basement or interior room without windows. Bathrooms, closets, and hallways work well. Stay away from glass. Bring your phone and flashlight. And please, don’t go outside to see it. I promise, it’s not worth it.
The Short Version: Tornado = Covered
The sky might be doing something strange today, but take a deep breath. Your homeowners policy has you covered for tornadoes, even if we’ve hardly ever had to think about that before. If you have questions or want to double-check your specific coverage, just reach out. That’s what I’m here for.
And hey, let’s hope this whole thing blows over quickly. (Pun very much intended.)
Stay safe out there,
Elisha