As fall rolls around, it may be time to reassess your homeowner’s insurance policy in Colorado. There are a lot of people that do not take enough time throughout the year to read through their existing insurance policies and ensure they are getting what they should from insurance.
An F0 is equivalent to 40 to 72 mile an hour winds. Tornado damage from an F0 is expected to be light.
An F1 is equivalent to 73 to 112 mile an hour winds. Tornado damage from an F1 is expected to be moderate.
Make sure that you schedule a meeting about once a year to go over your insurance policy and make sure it is still sufficient and is not providing excess coverage. Finding this balance can be difficult, but it will be well worth the time that you spend doing your research.
An F3 gets pretty serious with 158 to 206 mile an hour winds, considered “severe damage.”
First, consider your situation in life. What job do you have? Could you be a target for an angry customer, client, or business partner? Does your work involve controversial issues? Could you be personally held responsible for work-related incidents? If it looks like you walk a fine edge with your work, it might be a good decision to invest in an umbrella policy.
If you have made any large purchases or you have added anything of value to your home in recent years, you should be sure that your home owner’s insurance policy reflects that. Don’t be afraid to work with an insurance broker as you are figuring out what you do and do not need.
Normally, twisters stick around the F0 to F1 range. About 74% of all tornadoes fit in this range. Less than half of all tornado related deaths fall in this range. The Fujita level of a twister isn’t determined until after the storm has taken its toll. It is determined after measuring the strength of the winds and assessing the full extent of its damage. Consequently, the best judge of the strength of twister as it touches down will be your own senses and the speed of the wind whipping your face. The greatest tornado ever recorded was likely an F5. Fifty years before the creation of the Fujita scale, it wreaked havoc on 219 miles over 3.5 hours travelling at speeds of 73 miles an hour. Although the wind speeds were not recorded, the tornado damage was so extensive that experts suppose it worthy of an F5 status.
In the words of one Colorado man, “This sure ain’t the rocky mountains Dorthy”, as he drove through the wind-torn states Kansas and Oklahoma. This man was taking a trip with his wife and kids. His wife’s name was actually Dorthy Rue, however ironic that is. His name was Bret and they had just gotten a good way into their route back east when they saw the first tornado in their lives.
Your insurance is something that you will count on during the hardest times. Make sure that you put enough time and effort into finding the insurance policy that is the best fit for you.
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