As long last temperatures have moderated and the ice on Lake Michigan has melted. But as we move into spring, Mother Nature has more in store. Tornado season is upon us.
Tornadoes come in various strengths and are most common in Wisconsin in the late spring and summer month. Despite rumor to the contrary, Sheboygan’s location on the shores of Lake Michigan does not protect it from tornadoes. While true that the air above a large lake is cool, a layer of warmer air rests above the cooler later. Also, a strong tornado can hurtle in quickly and nullify the helpful effect of the cool air above the lake.
Tornadoes are rated based on wind speed using the F scale. Most tornadoes that strike Wisconsin have winds of 65 miles per hour, which puts them on the lower end of the scale. Nonetheless winds of this magnitude can topple chimneys and down branches and trees. Flying debris can become projectiles. Although less common, tornadoes with higher wind speeds capable of flattening homes are not unheard of in Wisconsin.
You can’t prevent a tornado, but you can and should prepare – both physically and financially. Become familiar with where to shelter when severe weather threatens. Make sure you protect your savings with insurance.
Standard homeowners insurance form HO3, common in this area of the country, generally includes four types of coverage:
- Coverage A is the amount you could receive if your home was lost.
- Coverage B is the amount you could receive if other structures were lost.
- Coverage C is the amount you could receive if personal property was lost.
- Coverage D is the amount you could receive for additional living expenses.
Please be aware, however, that you should purchase insurance in an amount equal to at least 80% of the rebuild cost. If you don’t purchase this amount (referred to as “adequate insurance”), then your payout will be reduced, even for a partial loss.
Consult with the staff at Jerry Heinen and Associates to determine current labor and materials costs. Our agents have over 100 years of combined experience assisting clients.
You can call 920-458-9724 and set up an appointment or stop by our offices at 1601 N. 8th Street, Sheboygan, WI 52081.