Serving Florida Since 2007

Tornado damage claims

Does Florida have a tornado season?

Florida has a year-long tornado season, but a distinction is made between Summer Season Tornadoes and Spring Season Tornadoes. 

  • Spring Season tornadoes,which occur between February and May, are often more powerful because they are typically spawned from powerful storm cells ahead of cold weather systems. In fact, several tornadoes have made landfall in Fort Lauderdale, a city on the East Coast of Florida, and their videos have gone viral. 
  • Summer Season Tornadoes– occur between June and September. These tornadoes typically form as a result of tropical storm activity and sea breeze boundary collisions. 

What part of Florida has the most tornadoes?

Several regions in Florida have a history of being frequently impacted by tornadoes; however, the coastal region between Fort Myers and Tampa Bay is often referred to as “Florida’s Tornado Alley” as this area in the state is most frequently impacted by tornadoes.

Florida’s main areas for tornadic activity include the area between Fort Myers and Tampa Bay, the Western Area of the Panhandle, and part of the Atlantic Coast. All three of these are vastly far from one another, so the state as a whole has several tornadic hot zones.  

How is a tornado’s strength measured? 

Tornadoes are categorized based on their intensity, with each category reflecting the potential for damage and the severity of the storm. 

Weak Tornadoes are classified as either EF-0 and EF-1.

Weak tornadoes, categorized as EF-0 or EF-1, represent the majority of tornado occurrences nationally and in Florida. These tornadoes:

  • Makeup about 75% of all tornadoes nationally 
  • Typically produce winds less than 110 mph.
  • Last only a few minutes but can cause minor damage, such as downing trees or power lines.

 

Strong Tornadoes are classified as either EF-2 and EF-3.

Strong tornadoes fall into the EF-2 or EF-3 categories and are characterized by:

  • Winds ranging from 111 to 165 mph.
  • Comprising about 24% of all tornadoes nationally and nearly 30% of all tornado deaths in the U.S.
  • Can last twenty minutes or more.

 

Violent Tornadoes: EF-4 and EF-5.

Violent tornadoes are the most intense, classified as EF-4 or EF-5. These tornadoes:

  • Winds between 166-200mph+.
  • Account for only about 1% of all tornadoes nationwide but are responsible for approximately 65% of all tornado deaths.
  • Can last for more than an hour and cause devastating damage.
  • Are extremely rare, with less than 1% of tornado reports falling into this category. There is no record of an EF-5 ever impacting Florida. 

What part of Florida has the most tornadoes?

Several regions in Florida have a history of being frequently impacted by tornadoes; however, the coastal region between Fort Myers and Tampa Bay is often referred to as “Florida’s Tornado Alley” as this area in the state is most frequently impacted by tornadoes.

Florida’s main areas for tornadic activity include the area between Fort Myers and Tampa Bay, the Western Area of the Panhandle, and part of the Atlantic Coast. All three of these are vastly far from one another, so the state as a whole has several tornadic hot zones.  

Does my homeowner’s insurance policy cover damage caused by a tornado? 

For homeowners in Florida, the good news is that homeowners insurance does generally cover damage caused by tornadoes. This includes wind, hail, and rain, which can all occur simultaneously during a tornado. However, it’s important to note that water damage due to flooding in a tornado event is not covered under standard home insurance policies. For flood protection, a separate flood insurance policy is necessary.

Checking your policy for any exceptions, coverage gaps, or additional policy terms that may affect your damage claim if it involves a tornado is important. 

For more information on how your individual policy protects you from a tornado, our friendly team of public adjusters can answer any question you may have. Call 954-669-4935! 

My tornado property damage claim was denied or underpaid. Can you still help me? 

There’s a very good chance that we can still help you, but to answer this question accurately, we would need to schedule a free claim evaluation with you. Looking at the unique circumstances surrounding your claim is necessary. 

If there’s room for you to collect a higher payout, then that’s exactly what we will fight for. Our team of public adjusters has earned a reputation for helping Florida homeowners collect high payouts. In fact, it’s why our slogan is “insurance companies hate us.”  

We often find damage the insurance company’s adjuster missed. When we find this damage we make sure the damage repair estimate includes every covered bit of damage so you, the homeowner, can collect the highest payout available so you can have the funds you need to actually repair your home. 

A free claim review is the first step. Call 954-669-4935 or go to WeGetYouPaid.com to get started.

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