By David Colmans
The intense battering of the Midwest and the South by the most violent tornadoes in many years has compelled those directly affected to look at how insurance plays an important part in the recovery process.
Immediately after a disaster there is chaos and confusion and the need for search and rescue. It is only after the last victim has been saved, the fires doused, the debris sifted, that town officials, the media and the community turn to the rebuilding phase.
What can one expect from his or her insurer in the short term and over a longer period of time? Let’s focus on home insurance because it is so essential to the rebuilding of communities like Tuscaloosa, Ala., or Ringgold, Ga. Just how essential is insurance?
Well, without it, the communities across “Tornado Alley” and now “Dixie Alley” would not have recovered. Today, communities in Mississippi, Alabama, Georgia and several other states are in the rebuilding process, Most of that rebuilding could not be accomplished without insurance dollars.