Tag Archives: Umbrella Insurance

Tornado Truths

Tornado truths that can help you stay safe

Tornadoes have caused severe and irreparable damage to tens of thousands of Americans and their property in recent years.  Although you can never control the weather or the outcome of a destructive storm, there are steps you can take to help you and your family remain protected in the event of a tornado. Those steps of action begin with knowing the facts.

Here are a few tornado truths that could help keep you and those you love safe:

When indoors, shut all windows and doors. Do not leave them open in an attempt to follow the mythical need to “pressurize” your home because the result would more likely be debris flying through the window and causing severe harm, or wind pressure working to lift the roof off the house from the inside.

If you are inside your home or other structure, retreat to the lowest level (a basement is ideal) or the room closest to the middle of the home or farthest from windows and doors. Do not seek a “corner” of the structure for your retreat; instead, go to the center-most point, away from windows and anything heavy that could fall on your head.

If you’re outdoors, find the lowest spot, such as a ditch, and lie flat on your stomach, covering the back of your head with your hands.  Do not follow the myth of seeking shelter underneath a bridge or overpass because it could collapse on top of you or large debris and winds could come rushing underneath and potentially sweep you up into the tornado itself.

If you are in a vehicle, abandon the vehicle and try to find shelter in a structure or outdoors in a low place where you should lay stomach-down and cover the back of your head with your hands. Most importantly, do not attempt to drive away from the storm unless it’s very obviously far away and moving in the opposite direction.

Do not take shelter near a road and expect the tornado to miss you. Some myths say that tornadoes will reverse their directions when nearing a road or foothill, but a tornado doesn’t discriminate and will keep on its path.

Use head gear, if available. Head protection can be the number-one most important factor in remaining protected from flying debris—indoors or outdoors—so know where bike, football, batting, boxing and other helmets are in the house, and make them easily accessible.

At the Insurance Center of Milwaukee we want to help you know the tornado truths that will help keep you and your family safe. For more tornado safety tips, visit the Storm Prediction Center’s comprehensive guide at http://www.spc.noaa.gov/faq/tornado/safety.html.

 Contact Us!

 At the Insurance Center of Milwaukee, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 414-744-6614 or send us a note at info@insurancecentermilwaukee.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Should I Purchase Umbrella Insurance?

Do I need Umbrella Coverage?

In today’s economy, everyone is pinching pennies.  So why worry about umbrella coverage?  Shouldn’t a home and auto policy leave you adequately covered?

Unfortunately, we live in a world of lawsuits.  Large damages can be awarded and have long-term financial impact.  Those lawsuits can come from unlikely sources, such as our children or our furry friends.

For instance, Herschel is a much-loved, rather timid labradoodle who enjoys taking naps on the driveway while his owner mows the lawn.  Herschel watched as his neighbor, a 39 year old man, showed off his rollerblading skills to his kids.  The man wiped out on the sidewalk in front of Herschel’s house and broke his leg.  He required surgery, costing around $35,000 in medical costs and $18,000 in lost wages.

Fair or not, the man brought a lawsuit against Herschel’s owner, suing for $220,000 in damages.  He alleged that Herschel had caused the accident by getting in his way.  However, Herschel’s owner was lucky–a jury vindicated Herschel. Lawsuits such as these can easily exceed the limits on a homeowner’s policy, leaving the insured responsible for the remainder.  An umbrella policy would prevent that by providing an extra $1 million to $5 million in coverage, depending on the limit that you select.

There are numerous ways to have a liability claim.   According to the Center for Disease Control and Prevention, 4.7 million people are bitten by dogs each year, with half of those occurring on the owner’s property.  Children can mistakenly hurt someone on the playground or you could be in a bad car accident.  All are potential claims.

Do you need an umbrella policy?  Only you know the value of your assets that you want to protect.

Protect what you love!  Call us to talk about your umbrella options today at 414-744-6614!