Does Homeowners Insurance Pay For Tornado Damage? 
Unless wind is specifically excluded , which would be extremely rare , -LRB- I have never seen it -RRB- , then damage done by a tornado is covered . However , keep in mind that homes near the coast or tornado prone areas , generally have a separate and much higher deductible for damage done by windstorm aka tornado then the deductible for all other covered perils such as fire or water damage from leaking pipes or theft . 