Tornadoes and Your Roofing Insurance

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Roofers removing old roof shingles from a house in preparation for storm damage repair.

Roofing Insurance and Tornadoes

Tornadoes provide abundant opportunities for roofing work. However, these storms can create roofing systems fraught with hazards that can lead to worker injuries. Repairing a roof damaged by a tornado requires the use of certain techniques that fix the problems while minimizing the impact of future tornadoes on the structure. If the right techniques aren’t used, this could be claimed as poor workmanship.

Both worker injuries and poor workmanship are covered in your contractors insurance by your workers compensation and general liability policies. Understanding what causes tornadoes, how these storms wreak destruction and how best to install and repair roofs damaged by tornadoes allows you to reduce the claims on your roofing insurance.

Causes of Tornadoes

According to Weather Wiz Kids, “Most tornadoes form from thunderstorms. You need warm, moist air from the Gulf of Mexico and cool, dry air from Canada. When these two air masses meet, they create instability in the atmosphere.”

These storms are measured on an Enhanced Fujita Scale. EF0 packs winds of 65-85 MPH. EF1 has winds 86-110 MPH. EF2 generates winds of 111-135 MPH. EF3 delivers winds of 136-165 MPH. EF4 create winds of 166-200 MPH. EF5 can whip up winds of over 200 MPH.

Tornado Alley

According to LiveScience, “The borders of Tornado Alley are not clearly defined.They vary, depending on the criteria used — frequency, intensity, or events per unit area. Generally, a

Tornado Alley map

starts in central Texas and goes north through Oklahoma, central Kansas and Nebraska and eastern South Dakota, sometimes dog-legging east through Iowa, Missouri, Illinois and Indiana to western Ohio.”

Tornado Facts

Roofing Tips for Tornadoes

Roofing Insurance

Remember your contractors insurance in the forms of your general liability and workers compensation provide coverage to deal with workmanship issues and worker accident. However, your best protection can be found in the safety measures that you utilize and the high quality of work that you do.

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