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    Not sure what a tornado is?

    Want to know the difference between a watch and warning?

    Have questions about flood insurance or property claims?

    Our ARTICLES AND MORE section has you covered!

    WHN TIP – Be safe, be smart and be prepared!


  • What Is a Tornado?

    Twisters, cyclones, waterspouts, whatever you might know them as – tornadoes are the Earth’s most violent storms. Here is a definition of tornadoes plus links to Web sites to learn more. What is a tornado? A tornado is a violent windstorm characterized by a twisting, funnel-shaped cloud. It is spawned by a thunderstorm (or sometimes […]

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  • When a Severe Storm Watch or Warning Is Issued

    At Home Be safe, be smart. Stay alert. Monitor your local radio or TV stations for the latest updates, news or evacuation information. Online, visit the National Weather Service’s homepage for current watches, warnings, statements and advisories. WHN TIP – Tornadoes: Tornadoes may develop from severe thunderstorms along and ahead of cold fronts, according to NOAA. If your area […]

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  • When a Tornado Watch or Warning Is Issued

    Be safe, be smart. A WATCH means a tornado is possible in your area. A WARNING means a tornado has been sighted and may be headed for your area. Listen for sirens — remember you may not be able to hear them or they might not be sounded in time. Listen to local radio or TV stations. […]

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  • Purchasing Flood Insurance

    One of the most important things that you can do to protect your home and family before a flood is to purchase a flood insurance policy – even if you don’t live in a flood-prone area. Flood insurance provides year-round financial protection and improves your ability to quickly recover when severe storms strike and cause […]

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  • Farm Animals and Natural Disasters

    Farm animals not only can suffer injuries during a disaster but can also receive fresh injuries after the storm if not handled properly. Here are some of the things that can be done in the immediate aftermath of the storm or flood when animals must be handled, relocated or examined. Take Proper Precautions Ensure your own […]

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  • Returning Home After a Disaster: What Supplies to Bring

    If you are returning home to clean or salvage items, here’s a list of suggested supplies and items to bring with you. WHN Expert TIP – Water Damage Clean-Up Tips: Greg Kistler, a ServPro cleanup and restoration specialist from South Washington County in Minnesota, provides water damage cleanup advice in this podcast. Was the disaster fire-related? Greg also […]

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  • 5 Key Facts About Hurricanes and Tornadoes

    Hurricanes and tornadoes form in warm, damp air when winds blow into each other from opposite directions. Wind speeds from tornadoes far exceed hurricanes, though hurricanes typically cause more damage. Here are five key facts about hurricanes and tornadoes from the National Weather Service. Hurricanes SPEED: A hurricane is a tropical storm with sustained winds of 74 […]

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  • Property Damage: 8 Actions to Expect From Your Agent

    What Your Agent Will Do Here are some actions your insurance agent may take after you file a claim. Meet with you in the first few days after the loss (or when it is physically possible) to review additional living expense requirements. (See 17 Items to Gather and Tasks to Do After a Disaster) Provide money to pay living expenses, but […]

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  • Property Damage: 13 Questions for Your Agent

    These are some questions to ask your insurance agent to confirm what you already know or help you understand what you are covered for. Each time you call, note the following: The day and date you called The phone number and extension (If you’re transferred to someone else, ask for that person’s extension before the hand-off.) […]

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  • 6 Key Insurance Terms for Determining Value

    Knowing these terms helps to understand the process insurance agencies and relief organizations use to determine the value of your loss. Your tax accountant can also help you when claiming your losses. Valuation of Goods It is very difficult to measure your personal loss of goods. This is because many items have a sentimental value to […]

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