When you sign an insurance contract or any other type of contract, it is a legally binding document. That means neither party that signed the contract can get out of its obligation until or unless the contract is canceled in a legal manner.
If either party fails to uphold the obligations that are outlined in the contract, that is a breach of contract. In the case of windstorm insurance that covers tornadoes, if an insurance company fails to handle an insurance claim in a manner that meets the industry standard, the insurance company has breached the contract.