Tornados vary in intensity and peril. Depending upon their strength, they can wreak havoc to just your hair-do or the entire neighborhood. In 1971, T. Theodore Fujita developed a scale to begin classifying tornadoes and predicting damage. We call it the Fujita scale and it gives us a general idea of what to expect from each twister we encounter. Like a hurricane, the strength of the twister is measured mainly by the speed of the winds it creates, but overall damage is assessed as well.
Umbrella insurance is not insurance for your umbrella. (Although surely there is someone out there who would buy insurance for their umbrella...) Umbrella insurance covers costs above and beyond the limits of your existing insurance.
An F1 is equivalent to 73 to 112 mile an hour winds. Tornado damage from an F1 is expected to be moderate.
An F2 is characterized by 113 to 157 mile an hour winds precluding "considerable damage."
An F3 gets pretty serious with 158 to 206 mile an hour winds, considered "severe damage."
Second, you should be sure that you understand how you are going to be wise about the way that you assess your home. You want to be sure that you know what your home is worth and what the belongings in your home are worth when you are shopping for insurance for your home. There are a lot of people that are ignorant about what they can get insurance for in their home. Be sure that you do your research well ahead of time to ensure you are as informed as possible when you are going into a meeting about your insurance.
Finally, the worst are the F5's. These tornadoes range between 260 and 318 miles per hour. Experts consider their effect to be "incredible." Anything left still standing after one of these should be hailed as an incredible engineering feat.
Third, what is your family like? Ask the same questions listed above about close relatives for whom you might be financially responsible. But also, think about what kind of financial support your family could provide if you got in trouble.
If you are not rich, do you have wealthy relatives who would be willing to help you out? Is there a lawyer or doctor in your family that could provide free services that would otherwise cost tens of thousands? If you feel like you are at low risk and have the financial backing to get you or your family out of a bad scrape, you might not need umbrella insurance.
Unlike the west that is teaming with high mountains and other areas where tornadoes can't develop. These central states have long fertile plains that make tornadoes a dime a dozen. Dorthy and the kids made it out alright but their car was trashed. Brett decided that he should have bought some better Auto Insurance from Colorado.
Umbrella insurance is not insurance for your umbrella. (Although surely there is someone out there who would buy insurance for their umbrella...) Umbrella insurance covers costs above and beyond the limits of your existing insurance.
An F1 is equivalent to 73 to 112 mile an hour winds. Tornado damage from an F1 is expected to be moderate.
An F2 is characterized by 113 to 157 mile an hour winds precluding "considerable damage."
An F3 gets pretty serious with 158 to 206 mile an hour winds, considered "severe damage."
Second, you should be sure that you understand how you are going to be wise about the way that you assess your home. You want to be sure that you know what your home is worth and what the belongings in your home are worth when you are shopping for insurance for your home. There are a lot of people that are ignorant about what they can get insurance for in their home. Be sure that you do your research well ahead of time to ensure you are as informed as possible when you are going into a meeting about your insurance.
Finally, the worst are the F5's. These tornadoes range between 260 and 318 miles per hour. Experts consider their effect to be "incredible." Anything left still standing after one of these should be hailed as an incredible engineering feat.
Third, what is your family like? Ask the same questions listed above about close relatives for whom you might be financially responsible. But also, think about what kind of financial support your family could provide if you got in trouble.
If you are not rich, do you have wealthy relatives who would be willing to help you out? Is there a lawyer or doctor in your family that could provide free services that would otherwise cost tens of thousands? If you feel like you are at low risk and have the financial backing to get you or your family out of a bad scrape, you might not need umbrella insurance.
Unlike the west that is teaming with high mountains and other areas where tornadoes can't develop. These central states have long fertile plains that make tornadoes a dime a dozen. Dorthy and the kids made it out alright but their car was trashed. Brett decided that he should have bought some better Auto Insurance from Colorado.
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