When tornadoes ripped through the Midwest in early March 2012, destroying entire neighborhoods and towns, special teams of insurance appraisers descended on the hard hit areas to help people file claims. When the storms hit on March 2, State Farm reported that it had received 6,700 home claims by March 6 [source: Pontoriero].
Whether it's an unexpected windstorm, a tornado or hurricane, homeowners insurance will pay for the repairs, even if the house or its adjoining structures were destroyed. Beware! Some natural disasters, such as earthquakes, require special policies [source: Home Insurance]. Moreover, flooding is not covered in most homeowner policies. Instead, you have to purchase separate flood insurance from the federal government's National Flood Insurance Program [source: Allstate].