It's vital you understand your insurance policy before a tornado strikes. Read your homeowners policy carefully and know how to file a claim. Most insurance policies cover tornado damage under "wind storm or hail," but check with your insurance agent if you have questions. Report claims immediately to your insurance company.

It will be easier to file an insurance claim if you have a complete inventory of your property, including serial numbers, photographs or videotapes. After a disaster it's almost impossible to remember everything you lost. Keep your inventory and photographs or videotapes in a safe place away from home, along with supporting receipts, bills and canceled checks.

You can lessen the hazards of a tornado if you're prepared. Teaching your family exactly what to do can help them come through the event safely.