Tornado Damage Claims
Tornadoes don’t just tear through property—they rip through lives and livelihoods. At Valor Claims Solutions, we specialize in helping residential and commercial property owners recover the full value of their tornado-related losses with precision, urgency, and compassion.
What Tornado Damage Really Looks Like
Tornado damage can range from complete structural destruction to subtle but serious compromise of the building envelope. You may see missing roofs, collapsed walls, shattered windows, and debris penetration—but also hidden structural shifts, displaced framing, and compromised load-bearing systems. Even minor damage can threaten the long-term safety and insurability of a building if not properly documented and addressed.
Why Tornado Claims are Often Underpaid
Insurance companies may focus only on the visible damage, ignoring deeper structural impact or interior damages caused by pressure changes and debris. As a result, many tornado claims are underpaid or improperly scoped from the start.
Visible Damage Only Considered
Carriers often only approve what can be seen from a quick walkaround—ignoring structural shifts, roof uplift, and interior damage that require more thorough investigation.
Interior and Contents Damage Undervalued
Wind-driven rain, suction, and debris can damage drywall, insulation, furniture, and electronics—but these are frequently under-documented or minimized by adjusters.
Debris Impact Dismissed as Minor
Flying debris may dent HVAC units, puncture siding, or crack structural elements. Many carriers label these as minor issues despite their role in weakening the building’s integrity.
Insufficient Structural Evaluation
Especially on commercial or multi-level properties, carriers often skip engineer assessments or structural reviews, resulting in missed damage to framing, trusses, or foundation components.
Our Tornado Claim Process
Our claims process is detailed, thorough, and built to uncover every aspect of tornado-related damage that carriers often overlook. From start to finish, we focus on documentation, accuracy, and advocacy to ensure nothing is missed and your settlement reflects the true cost of recovery.
Emergency assessment
We perform a rapid-response inspection to identify visible and hidden tornado-related damage, including structural issues and interior loss.
Detailed Documentation & Scope
Using photos, diagrams, and a full loss breakdown, we document every aspect of the damage—structure, contents, and code upgrades—to ensure nothing is missed.
Carrier Negotiation
We present a comprehensive claim package to your carrier and negotiate directly on your behalf to secure the full, fair value of your tornado loss.
Settlement Support & recovery
We guide you through settlement disbursement, contractor coordination (if needed), and post-claim documentation to ensure a smooth and successful rebuild.
Which Hit Harder…The Tornado or Your Insurance Company?
Tornadoes don’t just leave visible destruction—they cause structural chaos beneath the surface. Contact Valor Claims Solutions to make sure you’re fully covered, not left rebuilding alone.