The weather got out of control last spring, and the result was an almost overwhelming amount of storm damage claims. Insurance companies consider "control" an important word when presented with claims. We all know things we can do to control the number of claims that are made, but severe weather tops the list of things we can’t.

Some of the things that can be done to protect your home from high wind damage almost have to be done when building or remodeling. For example, make sure entry doors have at least three hinges and a dead bolt security lock with a bolt at least one inch long. Anchor door frames securely to wall framing. You can install impact-resistant window systems. If you’re replacing your roof, take steps to ensure that both the new roof covering and the sheathing it attaches to will resist high winds, and anchor the roof to the walls with metal clips and straps. When working outside, replace gravel or rock landscaping material with shredded bark, and keep trees and shrubbery trimmed. Cut weak branches and trees that could fall on your house.

Take these additional steps to protect yourself as fully as possible from tornado damage: 

• When a tornado approaches, head to the centermost part of your basement or home-away from windows and preferably under something sturdy like a workbench or staircase. 
  
• Designate an emergency meeting place for your family to reunite if separated. 
  
• Put together an emergency kit that includes a three-day supply of water, non-perishable food, and other basics. 
  
• Move anything in your yard that can become flying debris inside your house or garage before a storm strikes. Do this only if authorities have announced a tornado watch. If authorities have announced a tornado warning, leave it all alone. 
  
• Don’t open your windows. You won’t save the house, as once thought, and you may actually make things worse by giving wind and rain a chance to get inside. 
  
• If you’re indoors when a storm with large hailstones strikes, stay there. Large pieces of hail can shatter windows, so close your drapes, blinds, or window shades to prevent the wind from blowing broken glass inside.

Review your homeowner’s policy periodically with your agent to make sure you have sufficient coverage to rebuild your life and home after a tornado. Report property damage to your insurance company, and make temporary repairs to prevent further damage. TPW