The short answer
Tornadoes are covered under the standard wind peril — no separate tornado deductible in most states, though a wind/hail deductible may apply. Debris removal is capped (often 5% of dwelling limit) and additional living expenses are limited by both dollars and time.
Frequently asked
- Is my storm shelter covered?
- Yes under Coverage B (other structures) up to 10% of dwelling limit.
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