When the sky turns that eerie shade of greenish gray and the wind starts practicing its drum solo on your windows, it is not the moment to wonder what your insurance covers.
Marix Hughes here from The Hughes Agency. Tornado season across Tennessee is not a surprise guest. It sends a calendar invite every year. The families who handle it best are the ones who prepare before the clouds gather.
Let’s walk through the smart steps that make a big difference.
🌬️ 1. Check your coverage for wind and hail
Homeowners policies are not all built the same. Some deductibles for wind and hail are different from your standard deductible, and many people do not realize that until after a storm.
Now is the time to review:
Your dwelling coverage amount
Your wind and hail deductible
Coverage for detached structures, sheds, and fences
A quick review today can prevent a financial headache later.
📸 2. Build a home inventory
After a storm is not when you want to rely on memory.
Take photos or video of:
Furniture
Electronics
Appliances
Clothing and valuables
Store this list in the cloud or somewhere outside your home. If you ever need to file a claim, this turns a stressful process into a smoother one.
🧰 3. Prepare your emergency kit
Think of it as your “grab and go” station:
Flashlights and batteries
Phone chargers or power banks
Bottled water and snacks
First-aid supplies
Important documents in a waterproof bag
When minutes matter, preparation feels like a superpower.
🛑 4. Know your safe spots
Interior rooms without windows, lower levels, or storm shelters are your best bet. Make sure everyone in your household knows exactly where to go when warnings hit. Practice once. It matters.
🤝 5. Talk to someone who knows your coverage
This is where we come in. At The Hughes Agency, we help families spot coverage gaps before storms test their policies. We review limits, explain deductibles in plain English, and make sure protection matches your real life.
We have been helping Tennessee families weather storms since 1971. We have seen the patterns, the claims, and the lessons learned. Preparation always wins.
The calm before the storm is your opportunity
Tornadoes may be unpredictable. Your protection should not be.
Call us, stop by, or message our team. Let’s make sure when the winds start talking loud, your coverage answers back with confidence. 🌩️