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Be prepared.

Get tips from legal experts on how to get your insurance claim approved after a tornado.

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Download Free eBook!

Find out how to make sure you’re covered.

Download our free eBook, A Policyholder’s Guide to Tornado Insurance Claims, for tips on:

  • What to keep in your tornado emergency kit
  • How to document your property — before and after a storm — to make the strongest insurance case you can
  • Questions to ask your agent to make sure you’re covered
  • Exclusions to look out for when picking your policy
  • How to deal with insurance adjusters
  • How to get agents and adjusters’ promises in writing to hold them accountable
  • Common reasons insurance companies deny claims
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Tornadoes are terrifying natural disasters. It’s hard to imagine a more essential reason to have insurance.

Not getting the money you need to rebuild is a second disaster. Finding out your claim has been denied, or that it will take months to get your payments while you’re attempting to restore your life — few experiences are more frustrating and distressing for people trying to recover from and rebuild after a storm disrupts their lives.

  • Between 2010 and 2020, the average tornado caused $2.5 million in property damage.
  • In 2022, tornadoes caused $684 million in property and crop damage across the U.S.
  •  A tornado can batter your home with debris, pull the roof off your house, or even raze your home to its very foundation, easily resulting in tens to hundreds of thousands of dollars in damage for a single homeowner.

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We’re Experts in Property Insurance Law

William F. “Chip” Merlin Jr., Esq.

As the original “Policyholder’s Advocate™," Merlin Law Group founder and president William F. “Chip” Merlin Jr., Esq., has tirelessly dedicated his law practice to representing and advocating for policyholders across the country in disputes with their insurance companies. Chip was noted as the “Babe Ruth of hurricane lawyers” for his work on behalf of 23 municipalities and hundreds of policyholders following Superstorm Sandy, and The Tampa Bay Times dubbed him “the Master of Disaster” for his nationwide catastrophe work. Most recently he was assigned to the Champlain Towers South Collapse Task Force, a $1.1 billion insurance recovery effort.

Since 1985, he and fellow Merlin Law Group attorneys have been committed to policyholders, working and winning cases from Florida and Texas to Colorado and California, recovering over $2 billion in damages for their clients.

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