Home insurance may not cover certain tornado damage

By: Aaron Dimick Email
By: Aaron Dimick Email

Insurance agents say the recent tornadoes in Wisconsin and southern U.S. states should be a wake up call for homeowners who may not be up to snuff on their insurance policies.

On April 10th, weather officials confirm two tornadoes touched down in the town of Augusta in Eau Claire County.

Sharon Truschka of Augusta told WEAU 13 News on Friday that one of those tornadoes caused five large pine trees to come crashing down onto her home.

“A neighbor called me and said ‘Sharon, you might want to get home. There's a tree on your house and some windows are blown out," Truschka said.

The family of seven said no one was home and there wasn’t any serious structural damage.

Nearly three weeks after the twister hit, the trees have been taken away but Truschka said her family is still going through the insurance process.

“We’re looking at $10,000 in damage,” Truschka said.

Although windows, gutters and roofing materials will be covered by their insurance company, Truschka said they won’t get reimbursed for the extensive damage to their front yard and exterior additions.

Farmers Insurance Agent James Jasinski told WEAU 13 News that every aspect of a home needs to be considered for coverage in case of a disaster.

Although exterior additions like new roofs, siding and decks should be covered in annual home insurance surveys, Jasinski said homeowners should report them to their insurance companies as soon as they’re completed.

Jasinski said homeowners need to realize although the value of a home is plummeting, the cost to rebuild if damaged is going up.

“Your construction costs to have it rebuilt are still high. So you have to make sure the replacement value is going to be enough to rebuild that house,” Jasinski said.

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