Tornado & Windstorm Coverage in Greenfield, IN

Tornadoes and windstorms are unpredictable, and they can cause significant damage to your home and property. Tornado & windstorm coverage is designed to protect you against the financial impact of these powerful storms. At Cox Insurance Agency, we offer tailored tornado and windstorm insurance policies to help ensure your home is protected when severe weather strikes. Whether you’re in Greenfield, Fishers, Noblesville, or surrounding areas, we’ll help you find the right coverage to safeguard your property.

What is Tornado & Windstorm Coverage?

Tornado and windstorm coverage is a type of insurance that specifically protects your home and property from damage caused by tornadoes, hurricanes, or other high winds. This coverage typically includes both dwelling (the structure of your home) and personal property (your belongings inside). Tornado and windstorm coverage helps cover the costs of repairs or replacement if your property is damaged by wind-related storms.

What Does Tornado & Windstorm Coverage Include?

Tornado and windstorm coverage is usually included as part of your standard homeowners insurance policy. Here's what it typically includes:



  • Dwelling Coverage: Covers the physical structure of your home (walls, roof, foundation) against damage caused by tornadoes, windstorms, or other related weather events.

  • Personal Property Coverage: Protects your personal belongings, such as furniture, electronics, clothing, and appliances, from windstorm or tornado damage.

  • Additional Living Expenses (ALE): If your home becomes uninhabitable after a tornado or windstorm, ALE coverage helps pay for temporary housing, meals, and other living expenses.

  • Detached Structures Coverage: Covers damage to other structures on your property, such as sheds, garages, fences, or barns.

Why Do You Need Tornado & Windstorm Coverage?

Tornadoes and windstorms can cause catastrophic damage, and the cost to repair or rebuild your home can be overwhelming. Here’s why you need tornado and windstorm coverage:

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Protection from Severe Weather

Tornadoes, high winds, and hurricanes are powerful forces of nature. If your home is damaged or destroyed by these storms, this coverage will help cover the repair or rebuilding costs.

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Peace of Mind

Knowing that you have protection in place gives you peace of mind, especially during storm season when tornadoes and windstorms are most common.

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Required by Lenders

If you have a mortgage, lenders may require you to carry tornado and windstorm coverage as part of your homeowners insurance policy to protect their investment in your property.

Does Homeowners Insurance Cover Tornadoes & Windstorms?

In most cases, tornado and windstorm damage is covered by standard homeowners insurance policies. However, it's important to check your policy to confirm that tornado and windstorm coverage is included, as some policies may have exclusions or limits on coverage for certain types of storms.



For additional protection, we offer windstorm endorsements or separate coverage options that can provide higher limits and broader protection if needed.

How Much Does Tornado & Windstorm Coverage Cost?

The cost of tornado and windstorm coverage depends on several factors, including:


  • Location: Homes in areas that are more prone to tornadoes or hurricanes may have higher premiums due to increased risk.


  • Home Value: The larger or more valuable your home, the more coverage you’ll need to protect it from potential storm damage.


  • Coverage Limits: Higher coverage limits for the dwelling or personal property will result in higher premiums.


  • Deductible: Increasing your deductible can lower your premiums, but it also means you’ll pay more out of pocket if damage occurs.


At Cox Insurance Agency, we’ll help you find the right coverage at a price that fits your budget. We’ll assess your home’s risk and recommend the appropriate coverage for your situation.

How to File a Tornado or Windstorm Insurance Claim

If your home is damaged by a tornado or windstorm, here’s how the claims process typically works:


  1. Contact Us Immediately: Call Cox Insurance Agency as soon as you’re able to safely report the damage.
  2. Document the Damage: Take photos of the damage to your home and personal property. Keep a detailed record of the losses and any emergency repairs you’ve made.
  3. File a Police Report (if necessary): If the damage is extensive, you may need to file a police report, especially if there's vandalism or looting.
  4. Claims Assessment: An insurance adjuster will inspect the damage to your property and estimate the cost of repairs or rebuilding.
  5. Repair or Rebuild: Once the claim is approved, the insurance company will help cover the repair or replacement costs based on the terms of your policy.

How to Get Tornado & Windstorm Coverage

Getting tornado and windstorm coverage through Cox Insurance Agency is easy. We’ll help you assess your home’s risk of windstorm or tornado damage, provide a personalized quote, and help you find the best coverage options. Whether you’re adding this coverage to your existing homeowners insurance policy or purchasing a new one, we’re here to ensure you’re fully protected.

FAQ About Tornado & Windstorm Coverage

  • Does homeowners insurance cover tornado damage?

    Yes, tornado damage is generally covered under standard homeowners insurance policies, but it’s important to confirm that your policy includes this coverage.

  • Is there a separate policy for tornado and windstorm damage?

    In most cases, tornado and windstorm damage is included as part of your standard homeowners insurance policy. However, you can add windstorm endorsements for additional protection if needed.

  • Does tornado and windstorm coverage cover hail damage?

    Yes, tornado and windstorm coverage typically includes damage from hail, which is a common occurrence during windstorms and tornadoes.

  • Can I increase my tornado and windstorm coverage limits?

    Yes, you can increase your coverage limits to ensure you have adequate protection for your home and personal property in case of storm damage.

  • How can I reduce my tornado and windstorm insurance premiums?

    To reduce premiums, you can consider increasing your deductible, installing storm-resistant features, or bundling your insurance policies (home and auto) for a discount.

Get the Right Tornado & Windstorm Coverage Today

Protect your home from tornadoes and windstorms with reliable coverage from Cox Insurance Agency. Contact us today for a free, no-obligation quote, and let us help you find the best coverage to safeguard your home from storm damage.