23 Feb, 2024
1 min read

How does your insurance cover tornado damage? Insurance agents explain

VIRGINIA BEACH, Va. — For David and Elaine Munitz, Sunday’s EF-3 tornado in Virginia Beach is still a shock.

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“I was actually outside and didn’t realize what was happening until the noise started to get louder, and louder, and louder,” David said.

The Munitzs, along with their neighbors and workers, are picking up pieces and assessing the damage.

WATCH: New drone video shows destruction from EF-3 tornado in Great Neck area

“Looking at the damage, it’s a lot of work,” Elaine said. “It’s going to take time to get it done.”

The Munitzs told News 3 they’re missing both sides of their fencing and had items fly through their porch towards their home.

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Zak Dahlheimer/WTKR

The Munitzs, along with their neighbors and workers, are picking up pieces and assessing the damage. It comes after an EF-3 tornado tore through their Virginia Beach home on April 30, 2023.

Insurance was top of mind for them after filing claims for their homes and cars following the storm.

“We’re very uncertain what is covered and what is not covered,” Elaine said.

“Out-of-pocket expenses can go up into the $10,000 to $20,000 range,” David added.

News 3 also spoke with Rebekah Nelson, a spokesperson for USAA.

According to Nelson, a standard homeowner’s policy typically covers any damage related to a tornado.

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“You’ll want to look for ‘wind and hail’ on your policy,” Nelson said. “That would be what’s called your declarations page. It declares all of the coverages that you have on your policy.”

Meanwhile, State Farm agent Kimberly Hitchman has been on the ground working with residents in the Great Neck

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