Tag Archives: tornado

5 Tornado Preparation Safety Tips

Many cities in Texas experience a significant number of Tornados warnings every single year. Although a majority of these are false alarms, it’s always a tense and distressing period. People tend to handle this situation differently, and some are even unprepared for the chance of the impending threat. Because of this, we’re showcasing the top 5 tornado preparation safety tips! Enjoy!

Home Preparation – If you happen to be at home during a tornado watch, it’s important to move away from any windows or breakable objects that could cause harm. Have a designated safe room, such as a closet in the middle of the house, a basement, or a bathroom where you can safely wait out the warning. Always keep a radio or television handy so that you’re updated on the status of the weather.

Road Preparation – If you’re out driving during a tornado watch, it’s important that you do not stay in your car under any circumstance. Pull over and find a building, bridge or shelter where you can stay until the storm dies down. If you’re stuck in the middle of nowhere, find a ditch and lie down with your head covered so that you can protect yourself from any flying debris.

Know the Signs – Being aware of the signs of a tornado can be extremely beneficial in preparing and protecting yourself. Some of the signs to look for are a dark greenish sky, low dark hanging cloud base, loud roaring sounds, hail and any other debris flying around. If you see any of these signs, make sure you get to shelter immediately and take the necessary steps to endure the storm.

Assemble a Safety Kit – It’s smart to have a safety kit for both your home and car just in case you need supplies during the storm. This should include First aid items, flashlights, food and water, thick blankets, signal flares and tools in case you need to dig out of debris. Keep this kit in an accessible location so that you can easily grab it quickly. Time is precious in these situations, so you need to be ready for anything!

Outdoor Preparation -To tornado proof your home, make sure to remove any dangling tree limbs and any other potential hazards that can cause damage or injury. If you’re caught outside during a warning, stay away from any cars, trees or anything else that can fall on top of you. Find a ditch or a low point in the ground and lie there with your head covered until the storm passes.

With the New Year here, now is a great time to make sure that all of your insurance needs are up-to-date. Give us a call at 1-800-Thanks Al to have an agent review your policy to confirm that your auto insurance has the right amount of coverage for your family and your needs. We can also ensure that you are getting the best rate for your policy. You might even qualify for additional discounts, especially if you have your home insured through us!

Homeowner Insurance 101

house-insurance-419058_640 (1)Homeowners insurance, also known as property insurance, acts as a safeguard from weather-related damage, in addition to unforeseen events that may occur on the property. Some homeowner insurance policies do not include coverage for natural-disasters, such as tornadoes, hurricanes, or floods. These acts of nature generally need a separate insurance policy.

 

Here at Thanks Al, we’ve compiled a list of questions we commonly get about homeowner insurance. If you have a question, and it’s not listed below, please contact one of our knowledgeable insurance representatives.

Why should I buy homeowners insurance?
Home owners: Homeowners insurance safeguards both your house and personal property.
Tenants of rental properties: This insurance protects your personal property.
All parties: Having insurance coverage protects against liability for unforeseen events/accidents that results in injury of another party or damages their property.

What does a homeowner insurance policy cover?
Homeowner insurance covers damage cause from incidents such as fire, theft, and defacement to your house, adjacent structures (i.e. garage or shed) and personal belongings. The insurance policy also covers living expenses if your house becomes temporarily unlivable. It also covers the liability in the event that you or a member of your household injures someone or causes damage to their property.

Are any items in my home not covered by my policy?
Most possessions are covered up to stated limits for covered perils, such as theft or fire. Items including money, securities, watercraft, grave markers, trailers, and guns have coverage restrictions. If you were to lose a bracelet or drop an antique, it would not be covered, unless the possession was specifically insured. Damage to property or personal possessions by pets is not covered by a homeowner policy. Your Thanks Al representative can inform you of your policy’s specific coverage limits.

Visit our website to learn more about our homeowner insurance policies.