What to Do Immediately After a Tornado Damages Your Home

The tornado sirens have stopped. The roar of wind has faded. You emerge from your shelter to find your Arkansas home damaged—maybe windows shattered, roof torn off, or worse. In this overwhelming moment, the actions you take in the next few hours will significantly impact your safety, your insurance claim, and your financial recovery.

Arkansas experiences an average of 30+ tornadoes annually, with peak season running from March through May. The March 2023 tornado outbreak alone caused over $489 million in insured losses across the state, leaving thousands of families facing the daunting task of recovery. Whether you’re in Little Rock, Rogers, Bentonville, or anywhere across Arkansas, knowing exactly what to do immediately after tornado damage can mean the difference between a smooth insurance claim and months of delays, denials, or underpayments.

At OZK Insurance, we’ve guided hundreds of Arkansas families through the tornado recovery process. Our team has advocated for clients during the aftermath of every major Arkansas storm event in recent years, helping them secure 23% higher average claim settlements compared to area averages. This guide provides the exact steps you need to take right now to protect your family, preserve your property, and maximize your insurance recovery.

First 30 Minutes: Safety Comes Before Everything

Before you think about insurance claims or damage documentation, your immediate priority is ensuring the safety of everyone in your household. Tornadoes create hazards that persist long after the storm passes.

Check for Injuries

Tornadoes cause injury through flying debris, collapsing structures, and violent impacts. Immediately check yourself and everyone with you for injuries:

• Assess for serious injuries first: Bleeding, broken bones, unconsciousness, difficulty breathing, or suspected spinal injuries require immediate medical attention.
• Treat minor injuries: Clean small cuts with soap and water to prevent infection. Apply pressure to stop bleeding.
• Don’t move severely injured individuals unless they’re in immediate danger from fire, gas leaks, or collapsing structures.
• Call 911 if anyone needs emergency medical care. In the chaos after a tornado, emergency services may be overwhelmed, but make the call anyway.

If you have a first aid kit in your emergency supplies, use it now. If not, make a mental note that this should be part of your future tornado preparedness plan.

Stay Away From Hazards

Tornado damage creates life-threatening hazards throughout your property:

Downed Power Lines: Never touch or go near downed power lines—they can still be live and extremely dangerous. Assume all downed lines are energized. Stay at least 35 feet away and call your utility company immediately. If power lines have fallen on your vehicle, stay inside unless there’s fire. If you must exit, jump clear without touching the vehicle and ground simultaneously.

Gas Leaks: Natural gas leaks create explosion and poisoning risks. If you smell gas (a rotten egg odor), hear hissing, or see a damaged gas meter:

• Evacuate immediately—do not stop to collect belongings
• Do not use matches, lighters, candles, electrical switches, phones, or any device that could create a spark
• Once safely away, call your gas company or 911
• Do not re-enter until authorities declare it safe

Structural Damage: Buildings weakened by tornado damage can collapse without warning. Look for:

• Sagging or cracked walls and ceilings
• Shifted foundation
• Leaning or separated structures
• Damaged support beams
• Compromised roofing that could cave in

If you see any of these signs, evacuate the building immediately and do not re-enter until a professional has inspected the structure.

Water Contamination: Broken water lines can contaminate your home’s water supply with sewage or chemicals. Don’t use tap water until authorities confirm it’s safe. If flooding occurred, remember that floodwater contains sewage, chemicals, and other contaminants—never wade through it without protective boots and clothing.

Wear Protective Gear

Before you begin assessing damage or attempting any cleanup, protect yourself:

• Sturdy, closed-toe shoes or boots: Debris fields contain nails, broken glass, twisted metal, and other hazards that can cause serious foot injuries. Never walk through tornado damage in sandals, flip-flops, or barefoot.
• Heavy work gloves: Protect your hands when moving debris or touching damaged materials.
• Long pants and long sleeves: Cover exposed skin to prevent cuts and scrapes from sharp debris.
• Hard hat or bicycle helmet: Falling debris remains a risk in damaged structures.

First Hour: Critical Documentation Phase

Once you’ve confirmed everyone is safe and hazards are identified, immediately begin documenting damage. This documentation will become the foundation of your insurance claim—and insurance companies have paid thousands of dollars more to policyholders who thoroughly documented damage within the first 24-48 hours.

The “Golden Window” of Documentation

Insurance professionals call the first 36 hours after a disaster the “golden window” for claims documentation. Here’s why this matters:

• Evidence disappears rapidly: Rain, wind, and well-meaning neighbors may move or discard evidence of damage
• Memory fades: Specific details about what was where become fuzzy after a few days
• Insurance adjusters arrive quickly: In major tornado events, adjusters may visit within 48-72 hours, and you need your documentation ready
• Temporary repairs must begin: You’re required to mitigate further damage, which means covering broken windows and tarping roofs—but you must document first

Arkansas homeowners who documented damage within 36 hours received settlements averaging $8,700 higher than those who waited several days to document, according to claims data from the March 2023 tornado outbreak.

How to Document Tornado Damage Properly

Take Comprehensive Photos and Videos

Your smartphone is your most valuable tool right now. Document everything before you move or clean up anything:

Exterior Damage:

• Photograph all four sides of your home from multiple angles
• Get wide shots showing the overall damage and context
• Take close-up shots of specific damage: missing shingles, broken windows, siding damage, downed trees
• Document damage to outbuildings, fences, landscaping, vehicles, and outdoor equipment
• If you can safely access your roof (via drone or from the ground), photograph roof damage

Interior Damage:

• Document every room, even if damage seems minor
• Photograph water damage on ceilings, walls, and floors (water intrusion from roof damage may not be visible for hours)
• Show damage to walls, fixtures, appliances, and structural elements
• Don’t forget closets, basements, attics, and garages

Personal Property:

• Photograph every damaged item individually before you discard anything
• Include damaged furniture, electronics, clothing, appliances, and personal belongings
• If possible, include receipts, serial numbers, or purchase documentation in photos

Pro Tip: Turn on location services for your camera so photos include GPS coordinates and timestamps. This metadata proves when and where photos were taken, which can be crucial if insurers question your documentation timeline.

Create Detailed Video Walkthroughs

In addition to photos, record video walkthroughs of your entire property. Walk slowly through each room narrating what you see:

“This is the master bedroom. You can see the ceiling has a large section of missing drywall where the roof was torn off. Water is still dripping. The carpet is soaked. The dresser has water damage on top, and you can see debris from the roof all over the bed.”

This narration creates a permanent record of damage that’s harder to dispute than written notes alone.

Take Multiple Angles

For every damaged area, take photos from at least three different angles. This provides depth perspective and ensures nothing is missed. Insurance adjusters routinely miss damage documented in photos simply because a single angle didn’t show the full extent of the problem.

Create Your Damage Inventory

While you’re documenting with photos and video, simultaneously create a written inventory of all damaged items. Use your phone’s notes app, a notebook, or a spreadsheet—whatever you have available. Include:

• Item description: “Samsung 65-inch 4K Smart TV, model UN65TU8000”
• Location: “Living room, south wall”
• Approximate purchase date: “Purchased October 2021”
• Approximate value: Original purchase price if you remember it, or estimated replacement cost
• Extent of damage: “Screen shattered by flying debris, completely destroyed”

This detailed inventory will dramatically speed up your claims process. OZK Insurance clients who submitted detailed inventories within 48 hours of tornado damage received their first settlement checks an average of 11 days faster than those who submitted minimal documentation.

First 2-4 Hours: Prevent Further Damage (Your Legal Obligation)

After documenting damage, you have a legal responsibility under your insurance policy to prevent additional damage to your property. This is called your “duty to mitigate.” Failure to mitigate can result in denied claims for secondary damage.

Make Temporary Emergency Repairs

You must take reasonable steps to prevent additional damage, but don’t make permanent repairs until your insurance company has inspected and approved them. Here’s what you should do:

Cover Broken Windows and Doors:

• Use plywood, plastic sheeting, or tarps to cover broken windows and damaged doors
• Secure coverings firmly to prevent wind and rain from causing additional water damage
• Keep all receipts for materials

Tarp Damaged Roof Areas:

• If you can safely tarp roof damage, do so immediately to prevent water intrusion
• However, Arkansas homeowners should NOT attempt to climb on storm-damaged roofs themselves—this is extremely dangerous
• Contact a professional roofing contractor to perform emergency tarping
• Many Arkansas roofing companies offer 24/7 emergency service after tornadoes

Turn Off Utilities if Damaged:

• If you see damaged electrical wiring, turn off power at the breaker box (only if you can do so safely)
• If water pipes are broken, turn off the main water supply
• If the gas line is damaged, the gas company must turn it off—never attempt this yourself

Remove Standing Water:

• Use mops, towels, and wet-dry vacuums to remove standing water
• This prevents mold growth and additional water damage to flooring and walls
• Document water levels with photos before removal

Move Undamaged Items to Safe Locations:

• Remove undamaged belongings from areas vulnerable to additional damage
• For example, if your roof is damaged, remove items from that room to prevent them from being damaged by rain before repairs happen

CRITICAL: Keep every receipt for emergency materials and services. Your homeowners insurance policy typically covers reasonable emergency repair costs. These expenses should be reimbursed as part of your claim—but only if you have receipts. Even a $15 tarp from Lowe’s or Home Depot should be documented.

What NOT to Do

While you must prevent further damage, don’t:

• Make permanent repairs before your adjuster inspects. If you replace that damaged roof before documentation, you lose critical evidence and may not be fully reimbursed.
• Throw away damaged items until your adjuster has seen them. If you must discard large items for safety reasons, photograph them extensively first.
• Sign contracts with contractors who show up unsolicited, offering repairs. After major tornadoes, “storm chasers” flood affected areas with too-good-to-be-true repair offers. Many are scams or drastically overpriced.
• Accept any settlement offer without consulting with your insurance agent or a public adjuster first.

First 24 Hours: Contact Your Insurance Company

Time is critical when filing tornado damage claims. Arkansas insurance policies typically don’t have strict filing deadlines (many allow up to one year), but delays can create problems. Contact your insurance company as soon as possible—ideally within the first 24 hours.

What Information to Have Ready

When you call your insurance company, have this information accessible:

• Your policy number
• Your contact information (including temporary phone number if your home phone is affected)
• Your address
• The date and approximate time the tornado occurred
• A brief description of the damage (you don’t need every detail yet)
• Whether your home is habitable or if you need temporary housing

What to Expect During Your First Call

Your insurance company’s claims department (available 24/7 for most carriers) will:

1. Open a claim and assign you a claim number—write this down and use it in all future communications
2. Ask preliminary questions about the damage
3. Explain the claims process and next steps
4. Assign an adjuster to your claim
5. Explain what documentation they need
6. Inform you about your policy’s coverage for additional living expenses if your home is uninhabitable

Document This Call: Write down the date, time, name of the person you spoke with, and what was discussed. Keep a log of every single interaction with your insurance company throughout the claims process. This documentation protects you if disputes arise later.

Working With OZK Insurance for Claims Support

If you’re an OZK Insurance client, contact us immediately after contacting your insurance carrier. Our team provides claims advocacy that includes:

• Reviewing your policy to understand exactly what’s covered
• Helping you document damage comprehensively
• Communicating with adjusters on your behalf
• Identifying damage adjusters might overlook
• Negotiating settlement offers to ensure you receive fair compensation
• Coordinating with contractors for accurate repair estimates

Independent agents like OZK Insurance work for you, not the insurance company. This distinction becomes critically important during claims. Our advocacy helped Arkansas tornado victims secure an average of 23% higher settlements compared to those who navigated claims alone.

Call (479) 715-4200) anytime after tornado damage. We’ll guide you through every step of the recovery process.

First 48-72 Hours: The Adjuster Inspection

Your insurance company will send an adjuster to inspect your property, typically within 48-72 hours after major tornado events (though this timeline can extend if tornadoes affect large areas). This inspection is arguably the most important meeting in your entire claims process.

How to Prepare for the Adjuster Visit

Be Present: Never let the adjuster inspect your property without you being there. You need to guide them through the damage and ensure nothing is missed.

Organize Your Documentation: Have all your photos, videos, and written inventory ready to share. Print copies if possible—having physical documentation in hand makes a stronger impression than scrolling through phone photos.

Create a Written Damage Summary: Prepare a room-by-room summary of all damage. This ensures you don’t forget to mention something during the inspection.

Have Questions Ready: Ask the adjuster to explain anything you don’t understand. Questions to ask include:

• What damage do you see that’s covered?
• Is there any damage you think isn’t covered, and why?
• What’s the timeline for the claims process?
• When will I receive the adjuster’s report?
• How is my settlement calculated?

Show Everything: Walk the adjuster through every damaged area. Point out damage they might not notice—water stains, hairline cracks, warped doors, appliances that aren’t functioning. Don’t assume they’ll catch everything.

Take Notes: Write down everything the adjuster says and does during their inspection. Note which areas they photograph and which they skip.

What the Adjuster is Evaluating

The adjuster’s job is to estimate the cost to repair or replace your damaged property. They will:

• Inspect exterior and interior damage
• Take photos and measurements
• Estimate repair costs based on their assessment
• Determine which damage is covered by your policy
• Check for pre-existing damage (which isn’t covered)

Important Reality Check: Insurance adjusters work for the insurance company, not for you. While many are fair and professional, their employer benefits from lower settlements. This is exactly why working with an independent agent like OZK Insurance matters—we advocate for YOUR interests, not the insurance company’s bottom line.

Request a Copy of the Adjuster’s Report

After the inspection, ask for a copy of the adjuster’s report. This document details their damage assessment and estimated repair costs. You’re entitled to this report, and having it allows you to:

• Verify they documented all damage you showed them
• Compare their estimate with contractor estimates
• Identify any discrepancies or overlooked damage
• Have documentation to support an appeal if needed

First Week: Understanding Your Policy and Coverage

While waiting for your adjuster’s assessment, review your homeowners insurance policy to understand exactly what’s covered. Many Arkansas homeowners discover coverage details they didn’t know existed—or limitations they didn’t anticipate.

What Standard Homeowners Policies Cover for Tornado Damage

Dwelling Coverage: Covers the physical structure of your home—walls, roof, foundation, attached structures like garages. This is typically the largest component of your settlement.

Personal Property Coverage: Covers your belongings—furniture, electronics, clothing, appliances. Most policies cover personal property up to 50-70% of your dwelling coverage amount. For example, if you have $300,000 in dwelling coverage, you typically have $150,000-$210,000 in personal property coverage.

Additional Living Expenses (ALE): If your home is uninhabitable due to tornado damage, your policy covers reasonable additional living expenses while repairs are made. This includes:

• Hotel or rental home costs
• Restaurant meals (above your normal food budget)
• Storage for your belongings
• Increased transportation costs

ALE coverage typically has time limits (12-24 months) and dollar limits (20-30% of dwelling coverage). Keep detailed receipts for all additional expenses.

Other Structures: Covers detached structures on your property—detached garages, sheds, barns, fences. Usually covered at 10-20% of dwelling coverage.

Critical Arkansas-Specific Coverage Considerations

Replacement Cost vs. Actual Cash Value

This distinction dramatically impacts your settlement:

• Replacement Cost: Pays to rebuild/replace damaged property at current prices without depreciation
• Actual Cash Value: Pays replacement cost minus depreciation

Example: If your 10-year-old roof is destroyed, actual cash value might pay $12,000 (current cost minus 10 years of depreciation), while replacement cost pays $24,000 to install a new roof.

Most Arkansas homeowners have replacement cost coverage, but after the March 2023 tornadoes, many discovered they only had actual cash value coverage—resulting in settlements thousands of dollars lower than expected.

Important: Even with replacement cost policies, insurers typically issue two checks. The first covers actual cash value. The second (replacement cost holdback) is released after you complete repairs and submit receipts. This protects insurers from overpaying but requires you to pay contractors upfront.

Coverage Limits and Increased Replacement Cost

Arkansas construction costs have increased dramatically—lumber, labor, and materials cost 45-60% more today than in 2020. If you haven’t updated your policy’s dwelling coverage limits recently, you may be underinsured.

Some policies include “extended replacement cost” or “guaranteed replacement cost” endorsements that provide additional coverage (typically 125% of your dwelling limit) if construction costs exceed your policy limits. Check whether you have this coverage.

After the March 2023 Little Rock tornado, homeowners with $250,000 dwelling coverage discovered their homes would cost $340,000 to rebuild. Those without extended replacement cost coverage faced $90,000 out-of-pocket gaps.

Arkansas Wind/Hail Deductibles

Many Arkansas homeowners’ policies have separate, higher deductibles for wind and hail damage (including tornadoes). These deductibles are often percentage-based rather than flat dollar amounts:

• Standard deductibles: Usually $1,000-$2,500
• Wind/hail deductibles: Typically 1-5% of dwelling coverage

Example: If you have $300,000 dwelling coverage with a 2% wind/hail deductible, you pay the first $6,000 of damage. This can be shocking for homeowners expecting a $1,000 deductible.

Arkansas legislation in 2024 required insurers to allow wind/hail deductible reductions for roofs under 7 years old, but many policies still carry percentage-based deductibles. Check your policy declarations page.

What’s NOT Covered

Understanding exclusions prevents surprise denials:

Flood Damage: Standard homeowners insurance does NOT cover flooding, even flooding caused by tornadoes. If tornado damage allows rain to enter your home, that water damage IS covered. But if a tornado causes nearby river flooding that enters your home, that damage requires separate flood insurance through NFIP or private carriers.

Vehicle Damage: Damage to vehicles is covered by your auto insurance comprehensive coverage, not homeowners insurance. If your car was destroyed in your garage, file a claim with your auto insurance carrier, not your homeowners insurance.

Pre-Existing Damage: Insurance only covers damage caused by the tornado. If your roof was already deteriorating, the insurance company may try to attribute all roof damage to pre-existing conditions. This is a common dispute area where documentation and agent advocacy are crucial.

Earth Movement: If tornado winds don’t directly damage your home but cause soil shifts that crack your foundation, some insurers classify this as “earth movement” which is excluded. This requires careful adjuster negotiation.

Ongoing: Avoiding Common Mistakes That Reduce Settlements

Arkansas tornado victims often make avoidable mistakes that cost them thousands of dollars in settlements. Here are the most common pitfalls:

Mistake #1: Accepting the First Settlement Offer Without Review

Insurance companies often make initial offers that are lower than you deserve. The first offer is frequently just a starting point for negotiations. Before accepting any settlement:

• Compare the offer to contractor estimates for repairs
• Verify all damage is included in the settlement
• Check that both dwelling and personal property damages are fairly compensated
• Have your agent review the offer

Arkansas policyholders who negotiated their initial offers received an average of $11,400 more in final settlements compared to those who accepted first offers.

Mistake #2: Not Getting Multiple Contractor Estimates

Never rely solely on the adjuster’s repair estimate. Get at least 2-3 estimates from licensed, bonded Arkansas contractors. If contractor estimates significantly exceed the adjuster’s estimate, provide these estimates to your insurance company as evidence supporting a higher settlement.

Warning: Avoid contractors who:

• Knock on your door unsolicited immediately after the tornado
• Pressure you to sign contracts immediately
• Offer to “waive your deductible” (this is insurance fraud)
• Aren’t licensed by the Arkansas Contractors Licensing Board
• Don’t carry liability insurance

Mistake #3: Making Permanent Repairs Too Quickly

While you must make temporary repairs to prevent further damage, rushing into permanent repairs before your claim is settled creates problems:

• You may not be fully reimbursed if you proceed before approval
• You lose negotiating leverage once repairs are complete
• If additional damage is discovered during repairs, it may not be covered

Wait for your insurance company’s approval before beginning major reconstruction work.

Mistake #4: Not Documenting Ongoing Damage

Tornado damage often reveals itself gradually. Water damage from roof breaches may not be visible for days. Structural issues may become apparent only after professionals inspect the home. Continue documenting new damage as you discover it and immediately notify your insurance company.

Mistake #5: Missing Policy Deadlines

While Arkansas insurers typically give generous timelines for filing claims, your policy contains specific deadlines you must meet:

• Proof of Loss: Many policies require submitting a sworn statement of your losses within 60-90 days
• Replacement Cost Payments: To receive full replacement cost payments (not just actual cash value), you typically must complete repairs within 180-365 days of the loss
• Supplemental Claims: If you discover additional damage after your initial settlement, you have limited time to file supplemental claims

Miss these deadlines and you may forfeit coverage. Your OZK Insurance agent tracks these deadlines for you and ensures you meet every requirement.

Additional Living Expenses: Getting Proper Reimbursement

If your home is uninhabitable due to tornado damage, your homeowners policy likely covers additional living expenses (ALE) while repairs are completed. Many Arkansas families don’t realize the full extent of what’s reimbursable or fail to document expenses properly, leaving thousands of dollars on the table.

What Additional Living Expenses Cover

Temporary Housing: Hotel rooms or rental homes comparable to your damaged home. If you stay with family or friends instead, many policies reimburse what you would have paid for reasonable lodging.

Food and Restaurant Meals: The increased cost of meals above your normal food budget. If you typically spend $600/month on groceries but now spend $1,200/month eating restaurant meals because you have no kitchen, the $600 difference is reimbursable.

Storage: If you need to store your belongings during repairs, storage unit costs are typically covered.

Pet Boarding: If your temporary housing doesn’t allow pets, boarding costs are often reimbursable.

Transportation: Increased transportation costs such as extra miles driven commuting from temporary housing to work or school.

Laundromat Use: If your temporary housing lacks laundry facilities, laundromat costs are covered.

How to Maximize ALE Reimbursement

Keep Every Single Receipt: Save receipts for hotels, rentals, meals, storage, pet boarding, increased utilities, and any other additional expenses. Without receipts, many insurers won’t reimburse.

Submit Expenses Regularly: Don’t wait months to submit ALE expenses. Submit receipts every 2-4 weeks to receive regular reimbursement checks and maintain cash flow.

Stay Reasonable: ALE covers “reasonable” expenses similar to what you had before the tornado. If you lived in a 1,400-square-foot ranch home, renting a 3,000-square-foot luxury home may not be reimbursed.

Understand Time Limits: Most Arkansas policies cover ALE for 12-24 months or until you reach the policy’s dollar limit (typically 20-30% of dwelling coverage). If your home requires extensive reconstruction, monitor these limits carefully.

When to Consider Hiring a Public Adjuster

Public adjusters are licensed professionals who work exclusively for policyholders (not insurance companies) to assess damage and negotiate claims. Arkansas allows public adjusters to charge 10-15% of the final settlement.

Consider hiring a public adjuster if:

• Your home sustained severe damage exceeding $100,000
• Your insurance company denies your claim or offers an unreasonably low settlement
• You lack time to manage the claims process yourself
• The adjuster’s assessment significantly differs from contractor estimates
• You discover the insurance adjuster missed substantial damage

However, many Arkansas homeowners don’t need public adjusters if they work with strong independent agents like OZK Insurance. Independent agents provide many of the same advocacy services without the 10-15% fee because we’re compensated by insurance carriers, not by policyholders.

Emotional and Mental Health: Don’t Neglect Your Wellbeing

Tornado damage is traumatic. Beyond the financial stress, you’re dealing with the loss of your home, disruption to your family’s routine, and the overwhelming task of rebuilding your life.

It’s Normal to Feel Overwhelmed: Anxiety, stress, anger, sadness, and feeling overwhelmed are normal responses to tornado trauma. Don’t minimize these feelings.

Seek Support: Talk to family, friends, clergy, or professional counselors. Many Arkansas communities offer free disaster counseling after major tornado events.

Take Care of Basic Needs: In the chaos of recovery, don’t neglect sleep, healthy eating, and exercise. These basics help you manage stress and make better decisions.

Accept Help: Neighbors, churches, community organizations, and disaster relief agencies often offer assistance after tornadoes. Accept help with cleanup, temporary housing, meals, and childcare.

Be Patient: Recovery takes time. Your life won’t return to normal immediately. Set realistic expectations and celebrate small progress.

At OZK Insurance, we understand the emotional toll of tornado recovery. Our team doesn’t just process claims—we provide compassionate support through one of the most difficult experiences Arkansas families face.

Frequently Asked Questions

How long do I have to file a tornado damage claim in Arkansas?

Most Arkansas homeowners insurance policies allow you to file claims up to one year after the damage occurs, though it’s best to file within 24-48 hours. However, your policy contains specific deadlines for submitting proof of loss documentation (typically 60-90 days) and completing repairs to receive full replacement cost payments (typically 180-365 days). Contact your insurance agent immediately after tornado damage to ensure you meet all deadlines.

Should I clean up debris before the adjuster arrives?

Document everything with photos and videos before moving or cleaning anything. Once you have comprehensive documentation, you can remove debris for safety reasons or to prevent further damage. However, try to preserve damaged items until the adjuster has seen them. If you must discard large damaged items before the inspection, photograph them extensively and note where they were located.

Will filing a tornado claim increase my insurance rates?

Tornado claims are weather-related losses that generally don’t increase your individual rates the same way at-fault claims do. However, insurance companies may raise rates across entire regions after major tornado events due to widespread losses. Arkansas saw region-wide rate increases after the March 2023 tornado outbreak. Not filing a legitimate claim won’t prevent these regional increases, so always file for significant damage.

What if my contractor’s estimate is much higher than the adjuster’s estimate?

This is common. Get 2-3 estimates from licensed Arkansas contractors and submit them to your insurance company as supporting documentation. Insurance companies often adjust their settlements upward when provided with multiple professional estimates that exceed their initial assessment. Your independent agent can negotiate on your behalf to bridge the gap.

Can I choose my own contractor for repairs?

Yes. You have the right to choose any licensed contractor you want. Insurance companies may recommend “preferred contractors,” but you’re not required to use them. Some insurers offer guarantees on work done by their preferred contractors, so evaluate the pros and cons before deciding. Never use unlicensed contractors—if problems arise, you’ll have no recourse.

What if I disagree with my insurance company’s settlement offer?

You have several options: First, provide additional documentation supporting higher repair costs (contractor estimates, receipts, photos of missed damage). Second, request a re-inspection if the adjuster missed damage. Third, work with your independent agent to negotiate. Fourth, file a complaint with the Arkansas Insurance Department if you believe the company is acting in bad faith. Finally, you can hire a public adjuster or attorney, though this should be a last resort.

Does homeowners insurance cover tornado damage to my car?

No. Vehicle damage is covered by your auto insurance comprehensive coverage, not homeowners insurance. If your car was damaged or destroyed by the tornado, file a claim with your auto insurance carrier. If you have questions about your coverage, contact OZK Insurance for guidance.

What if I discover additional damage weeks or months after the tornado?

Notify your insurance company immediately when you discover new damage. Most policies allow supplemental claims for damage discovered later, but you must report it promptly. Document the newly discovered damage just as thoroughly as you documented the initial damage. Common examples include hidden water damage, structural issues that weren’t immediately visible, and foundation problems.

Your Recovery Roadmap: Complete Tornado Damage Checklist

Here’s your comprehensive action checklist for the hours, days, and weeks following tornado damage:

Immediate (First 30 Minutes):

• [ ] Ensure all family members are safe and accounted for
• [ ] Check for injuries and call 911 if needed
• [ ] Identify immediate hazards (gas leaks, downed power lines, structural damage)
• [ ] Evacuate if home is unsafe
• [ ] Stay away from downed power lines
• [ ] Smell for gas leaks and evacuate if detected

First Hour:

• [ ] Put on protective clothing and gear (boots, gloves, long sleeves)
• [ ] Begin comprehensive photo and video documentation
• [ ] Document exterior damage from all angles
• [ ] Document interior damage in every room
• [ ] Photograph all damaged personal property
• [ ] Take multiple angles of each damaged area
• [ ] Create written damage inventory

First 2-4 Hours:

• [ ] Make temporary repairs to prevent further damage (after documenting)
• [ ] Cover broken windows and doors
• [ ] Arrange professional roof tarping if needed
• [ ] Turn off damaged utilities (if safe to do so)
• [ ] Remove standing water
• [ ] Move undamaged items to safe locations
• [ ] Keep all receipts for emergency repairs and supplies

First 24 Hours:

• [ ] Contact your insurance company to file a claim
• [ ] Record your claim number
• [ ] Document all conversations with insurance company
• [ ] Contact your independent agent (OZK Insurance) for claims support
• [ ] Begin organizing all documentation for adjuster
• [ ] Create room-by-room damage summary
• [ ] Notify mortgage company if applicable

First 48-72 Hours:

• [ ] Prepare for adjuster inspection
• [ ] Be present during entire adjuster visit
• [ ] Walk adjuster through all damage
• [ ] Point out everything, don’t assume they’ll see it
• [ ] Take notes during adjuster inspection
• [ ] Request copy of adjuster’s report
• [ ] Begin getting contractor estimates

First Week:

• [ ] Review your insurance policy coverage details
• [ ] Understand your deductibles (especially wind/hail deductibles)
• [ ] Track all additional living expenses with receipts
• [ ] Get 2-3 contractor estimates for repairs
• [ ] Follow up with insurance company on claim status
• [ ] Keep detailed records of all communications
• [ ] Submit any supplemental documentation

First Month:

• [ ] Review settlement offer with your agent
• [ ] Compare settlement to contractor estimates
• [ ] Negotiate if settlement is insufficient
• [ ] Submit additional documentation for missed damage
• [ ] Continue tracking additional living expenses
• [ ] Choose contractor for repairs (once approved)
• [ ] Submit proof of loss if required by policy
• [ ] Keep insurance company updated on repair progress

Ongoing Until Recovery Complete:

• [ ] Document all repair work with photos
• [ ] Save all contractor invoices and receipts
• [ ] Submit for replacement cost holdback payment
• [ ] File supplemental claims for newly discovered damage
• [ ] Continue tracking additional living expenses
• [ ] Communicate regularly with insurance company
• [ ] Work with your agent on any claim disputes
• [ ] Review final settlement to ensure all damage was covered

The OZK Insurance Difference: Expert Tornado Claims Support

Navigating tornado damage claims alone can be overwhelming, confusing, and costly. Many Arkansas families leave thousands of dollars on the table simply because they don’t know what they’re entitled to or how to effectively advocate for themselves with insurance companies.

This is where working with an independent insurance agency like OZK Insurance makes all the difference.

How We Help Arkansas Tornado Victims

Immediate Claims Guidance: Call us 24/7 after tornado damage strikes. We provide immediate guidance on documentation, safety, and first steps—before you even contact your insurance carrier.

Policy Analysis: We review your exact policy coverage, deductibles, and limits to help you understand what you’re entitled to receive. Many homeowners are surprised to learn about coverage they didn’t know existed.

Documentation Support: We guide you through the documentation process to ensure you capture every detail that matters for your claim. Comprehensive documentation is the difference between full compensation and underpayment.

Adjuster Advocacy: When the insurance adjuster inspects your property, having an OZK Insurance advocate present ensures nothing is overlooked. We’ve helped Arkansas families identify tens of thousands in damage that adjusters initially missed.

Settlement Negotiation: Insurance companies make initial offers that are often negotiable. We review every settlement offer and negotiate on your behalf to ensure you receive fair compensation. Our clients receive settlements averaging 23% higher than those who navigate claims alone.

Contractor Coordination: We help you verify contractor licenses, review estimates, and coordinate repair timelines to ensure quality work and full insurance reimbursement.

Supplemental Claims: When you discover additional damage after your initial settlement, we help you file supplemental claims and secure additional compensation.

Dispute Resolution: If your insurance company denies your claim or offers unreasonably low settlements, we advocate aggressively on your behalf—escalating to the Arkansas Insurance Department when necessary.

Real Results for Arkansas Tornado Victims

After the March 2024 tornado outbreak in Northwest Arkansas, OZK Insurance clients achieved:

• 23% higher average settlements compared to area averages
• 11 days faster first payment due to comprehensive documentation
• $8,700 more on average for damage documented within 36 hours
• Zero claim denials among clients who followed our documentation guidance

We don’t just sell insurance—we stand beside you during the worst days of your life and fight to ensure you receive every dollar you’re entitled to.

Prepare Now: Tornado Season Never Truly Ends in Arkansas

While this guide focuses on what to do after tornado damage, the best time to prepare is before the storm hits. Arkansas experiences tornadoes year-round, with peak activity from March through May.

Pre-Storm Preparation Checklist

Review Your Insurance Coverage Annually: Insurance needs change as your home’s value increases and as you acquire new belongings. Schedule an annual policy review with OZK Insurance to ensure your coverage limits remain adequate.

Document Your Home and Belongings Now: Walk through your home with your phone camera and document every room, every closet, every belonging. Store this video in cloud storage. If tornado damage occurs, you’ll have comprehensive documentation of what you owned—making the claims process infinitely easier.

Create a Home Inventory: List all major belongings with approximate purchase dates and values. Include photos of receipts for expensive items. Store this inventory digitally where you can access it from anywhere.

Understand Your Policy: Don’t wait until after damage to learn what your policy covers. Read your declarations page and understand your coverage limits, deductibles (especially wind/hail deductibles), and any coverage endorsements.

Prepare an Emergency Kit: Every Arkansas home should have an emergency kit with flashlights, batteries, first aid supplies, water, non-perishable food, important documents, phone chargers, and cash.

Identify Your Safe Room: Know where you’ll shelter during tornadoes—typically a basement, interior room on the lowest floor, or a FEMA-approved safe room.

Keep Insurance Documents Accessible: Store copies of your insurance policy, agent contact information, and policy declarations page where you can access them even if your home is destroyed. Many families keep important documents in waterproof bags in their safe room or in cloud storage.

The Bottom Line: You Don’t Have to Navigate This Alone

Tornado damage is overwhelming—emotionally, physically, and financially. The actions you take in the first hours and days after the storm determine whether your recovery is smooth or whether you face months of stress, denied claims, and financial hardship.

Remember these critical points:

1. Safety First: Don’t enter unsafe structures or take risks that could result in injury or death
2. Document Everything: Photos, videos, and detailed inventories are your most powerful tools for maximizing insurance claims
3. Act Quickly: The first 36 hours are critical for documentation and preventing further damage
4. Contact Your Insurance Company Immediately: File your claim within 24 hours and maintain detailed records of all communications
5. Work With Professionals: Independent agents like OZK Insurance provide advocacy that results in significantly higher settlements and faster claim resolutions
6. Don’t Accept Lowball Offers: Initial settlements are often negotiable—never accept the first offer without professional review
7. Keep Every Receipt: Document all expenses related to emergency repairs and additional living costs
8. Be Patient But Persistent: Recovery takes time, but consistent follow-up ensures your claim moves forward

At OZK Insurance, we’ve guided hundreds of Arkansas families through tornado recovery. We understand the Arkansas insurance market, we know how adjusters operate, and we fight relentlessly to ensure our clients receive every dollar they’re entitled to.

You’ve already survived the tornado. Now let us help you survive the recovery process.

Don’t face this alone. Call OZK Insurance at (479) 715-4200 anytime—24 hours a day, 7 days a week. We’re here to help.

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OZK Insurance
9 Halsted Circle, Rogers, AR 72756
Phone: (479) 715-4200
Email: sales@ozkinsurance.com

Providing expert insurance claims advocacy and support for Arkansas tornado victims across Rogers, Bentonville, Fayetteville, Springdale, Little Rock, Hot Springs, and all of Arkansas.

We answer our phones 24/7 during disaster events. When you need us most, we’re here.