Does Your Homeowners Insurance Cover Tornadoes? 
Yes , unless it is excluded . I know that is a horrible answer , but it is the truth . Typically a homeowners policy will have coverage for a windstorm/wind damage . For example , it is very common in Michigan to have windstorm coverage since we rarely get tornadoes in the area . However , if you should live in an area prone to tornadoes , it will be common to see an exclusion for windstorms in the basic policy . You will typically have to get an endorsement in these areas for windstorm damage . I hope that your home was n't one that was recently destroyed due to the tornadoes in Oklahoma , and if you are my hopes and wishes go out to you and everyone else who is dealing with that tragedy . 