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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  • by john Location: cumberland on Apr 30, 2011 at 06:32 AM
    You pay them for years and when something happens they make it as hard as they can,raise your rates, and tell you we will fix the roof but getting the tree off is your problem. And I bet the person that sold you the policy was the first one on the scene after the storm to check on you. you are paying the agent, why isn't he telling you when it's time to upgrade or when you buy the policy say you know this doesn't cover the trees or yard. just take your money and laugh when your down.
    • reply
      by homeowner on Apr 30, 2011 at 10:55 AM in reply to john
      IF youre having that kind of problem with your present insurance, its time you check elsewhere. There is more than one insurance company available. I wouldnt put up with the lack of service you seem to be getting!Rates and coverage are as different as night and day. Get several quotes BEFORE deciding, and make sure to compare coverages.
  • by jo Location: tony on Apr 29, 2011 at 09:09 PM
    seems like all they want to do is take your money and try to get out of paying for anything.
  • by tj Location: chippewa on Apr 29, 2011 at 05:37 PM
    Then again...you will have a brand new setup...so if it costs a little more you do have BRAND NEw whatever to show for the additional cost...don't spend too much on insurance. It appears to be legalized extortion:) not saying you don't need it...but you don't need as much as the agent will tell you!
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