Tornado Season is Here and Can Leave a Path of Destruction- Get Prepared

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Get a head start on the season by being prepared in the event of storm damage. The Royce Williams Agency offers candid advice on how to properly prep.

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The months of March, April and May are considered tornado season for middle Tennessee. During these months, the weather is steadily getting warmer creating the perfect climate for a twister. In 2013 alone, the Tennessee Emergency Management Agency reported 22 tornados that touched down in Middle Tennessee.

So what does this mean regarding home insurance? The best coverage option is Replacement Cost Coverage. Under Replacement Cost Coverage, the insurance company will replace the home up to a maximum dollar amount. With every policy there are always limitations. These things can be discussed with an agent for further coverage.

With Replacement Cost Coverage the home is the primary asset covered, so personal items will also need consideration. Personal items can be covered under a floater on a home insurance policy.

Here are several quick tips to remember during tornado season:

  •     Follow up on current insurance policies
  •     Document any damage caused by a storm
  •     Be aware of contractor scams

Tornados are unpredictable and can happen almost anywhere under the right conditions. Fortunately, most people’s policies cover the general damage to the home. But some people may also be at risk more than they think. It is important to be in communication with an agent before the season kicks in. Contact an agent at Royce Williams Agency today at (615) 356-4800.

About Royce Williams Agency
Royce Williams Agency offers a wide range of affordable insurance options for residents of Nashville and the surrounding areas. They are focused on providing a higher quality of insurance services with up-front customer communication and affordable premiums. To learn more about the types of coverage they offer, including safe driver auto insurance discounts, home and renter’s insurance discounts, contact them at (615) 356-4800 or online at

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