Tornado Prepareness

When Nature’s Most Violent Storms Strike

Q: Does home insurance cover natural disasters?

Home insurance covers many natural disasters like hurricanes and fires, but often excludes floods and earthquakes, which require additional coverage.

Q: What is a deductible, and how does it work?

A deductible is the amount you pay out of pocket before your insurance kicks in. For example, with a $1,000 deductible, if you have $10,000 in damage, you pay the first $1,000, and your insurance covers the remaining $9,000.

Q: What should I do if my home is uninhabitable after a disaster?

If you are an American Integrity policyholder, contact us immediately if your home is uninhabitable. We can help arrange temporary housing and cover additional living expenses if your policy includes Additional Living Expenses coverage.

Q: How do I know what type of damage is covered?

Check your policy documents (you can view these online by logging into our <a href='http://portal.myaii.com/csp/' data-sf-ec-immutable='' data-sf-marked=''>Customer Portal</a> for specific coverage details). You can also contact your agent to clarify what types of damage are covered under your policy. Typically, your policy covers damage from perils like fire, windstorms, and theft, but may exclude others like flooding unless you have additional coverage.

Q: What makes American Integrity unique?

We offer coverage designed for the Southeast&rsquo;s unique risks, like hurricanes and flooding, supported by deep local expertise and outstanding service. Our broad product portfolio covers everything from homes to boats, golf carts, and rental properties&mdash;always with integrity at the heart of what we do.

Q: How do I file a claim?

You can file a claim with American Integrity by calling our 24/7 claims line at 1-866-277-9871 or filing online through our <a href='http://portal.myaii.com/csp/' data-sf-ec-immutable='' data-sf-marked=''>Customer Portal</a>. If you have tropical storm or hurricane-related damage, please call 844-MYAIIC1 (844-692-4421).

Tornadoes can happen almost anywhere in North America and strike with little to no warning. They are fast-moving windstorms with rotating columns of air that can exceed 200 mph. Smaller but often more destructive than hurricanes, they are often tied to severe thunderstorms and hurricanes and pose a significant threat, especially during storm season.

Tornado Safety in the Sunshine State

Most known for its hurricanes, Florida actually has more tornadoes per 10,000 square miles than any other state, including those in “Tornado Alley”. Although Florida tornadoes rarely reach top-end strength, they can still be destructive. An additional dangerous characteristic comes from the fact that tornadoes can develop during any time of the day, meaning people could be sleeping and not receive urgent weather warnings. Tornadoes can uproot trees, move cars, down power lines, injure those in its path, and damage homes.

Being prepared is key to keeping your home and family safe. Here’s what you need to know to stay ready for these unpredictable storms.

What’s the difference between a Tornado Watch and a Tornado Warning?

A Tornado Watch means that conditions are favorable for a tornado to form. It doesn’t necessarily mean one is happening, just that the atmosphere could produce them. During a Tornado Watch, it’s important to make sure you are monitoring weather alerts and listening to the radio or TV for updates. It’s also a good time to move cars and lawn furniture inside to minimize potential damage.

A Tornado Warning means a tornado has actually been spotted or detected on radar and you should seek shelter immediately.