What we handle
- Tropical storm damage (named but sub-hurricane)
- Subtropical storm damage
- Tornado damage (F0-F5)
- Microburst damage
- Straight-line wind damage from severe thunderstorms
Key distinctions
- Tropical storm: named storm below hurricane threshold; may trigger named storm deductible if your policy has one
- Subtropical storm: named subtropical system; typically handled same as tropical storm
- Tornado: concentrated rotational wind damage; subject to standard deductible (unless specifically within a hurricane event)
- Hurricane outer bands: tornadoes in hurricane outer bands may be covered under the hurricane deductible even when the specific tornado damage is far from the storm center
Deductible application
- Hurricane deductible: applies only to hurricane-force events (depends on policy definition)
- Named storm deductible: applies to tropical/subtropical storms with named designation (if your policy carries this endorsement)
- Standard deductible: applies to non-named events (isolated tornadoes, straight-line thunderstorm wind)
Review your policy carefully. The deductible you face is often contested.
Documentation
- National Weather Service data for the specific date and location
- Storm Prediction Center tornado reports where applicable
- Neighborhood damage patterns
- Weather radar confirming the event's characteristics