Tornado Crisis Policy — Fast Cash When You Need It Most
The Tornado Crisis Policy fills the gap your standard home insurance leaves behind. When a tornado strikes, this supplemental policy pays up to $15,000 within days. This covers your deductible, debris cleanup, hotel bills, and other out-of-pocket expenses your main policy won't reimburse.
Step 1 — A tornado damages your property.
Step 2 — The insurer uses National Weather Service data, collected property by property, to identify affected homes.
Step 3 — If your property was in the storm's path, you receive a text and email. Reply "YES" to confirm damage and initiate direct payment to your bank account.
Step 4 — Your payout is based on the EF rating assigned to your property by the National Weather Service:
EF LEVEL PAYOUT AMOUNT
- EF5 $15,000
- EF4 $10,000
- EF3 $7,500
- EF2 $5,000
- EF1 $2,000
- EF0 $2,000
Step 5 — Use the funds however you need — deductible, repairs, or daily living costs.
Why It Stands Apart
- Payment within days, not weeks or months
- No lengthy claims process or paperwork
- Does not affect your home or auto claim history
- Rates will not increase after a claim
- Only $88 per year