Rare Tornado Rips Through Revere, MA Causing Massive Devastation

Residents of the seaside city of Revere, Massachusetts have been working around the clock since Monday morning, cleaning up after a rare EF2 tornado touched down there and did a substantial amount of damage. Revere, a city of over 50,000 is located just a few minutes from downtown Boston.

The tornado struck Monday morning just after 9am and came without warning. Many residents reported that they thought strong winds from a thunderstorm was what was causing trees to come down and debris to fly about. It was nothing short of a miracle that no one was killed by the powerful tornado that spent about 5 minutes on the ground, leaving a path of destruction that was 3/8 of a mile wide.

The tornado packed winds of about 120 miles per hour as it plummeted Revere. Many trees were uprooted and numerous large limbs fell, crushing homes, businesses and a countless number of vehicles. The twister did serious damage to dozens of homes and sent large sections of guardrails flying through the air. While it is still too soon to put a dollar figure on the damage done in Revere, insurers were going door to door Tuesday, helping affected residents tally up their losses.

Throughout the day Monday and all of Tuesday, work crews have been working on hauling large trees into chippers. Meanwhile residents and business owners have been busy picking up debris and sweeping up broken glass. In many parts of Revere, the destruction left behind by the powerful tornado resembles a war zone. There are large pieces of roofs laying about as well as a whole lot of debris. In addition to the tornado damage, the city of Revere also had some flood damage done as the thunderstorm that spawned the twister dumped 2 inches of rain. There was four feet of standing water in some parts of the city which submerged many vehicles.

Residents of Revere reported that the tornado seemed to have come out of nowhere as there was no warning. Many people reported that the twister sounded like a freight train or a bomb when it plowed through the community, ripping trees out of the ground and tearing roofs off buildings. The cleanup effort in Revere is expected to last for several days as there is a lot of work to be done.

Tornadoes are rare in Massachusetts. The tornado that wreaked havoc on Revere was the first tornado to touch down in Suffolk County since the 1950s. As of Tuesday night, most major roads in the Revere area have been cleared of debris and reopened. However, many side streets are still closed due to widespread debris. The Fire Chief of Revere said Tuesday that he expects the number of homes officially damaged by the tornado to exceed 100 as inspections go on. A shelter has been opened in the city for anyone needing it.

Make Sure Your Insurance Coverage Manages Your Risk From Tornadoes and Hurricanes

For most people, their home or business will be their biggest investment in life. Home owners insurance protects your investment, but many people have questions when it comes to picking out a property insurance plan. Here are some important facts and information about insurance policies and coverage for your property. We will also examine the various add on and riders that offer you additional protections for the risks and perils that standard property insurance does not cover such as special flood and hurricane policies.

The first step in picking out the right insurance policy for you is to pick out a policy that ensures your home for at least 100% of its estimated replacement cost. To do this, get a professional estimate for the replacement cost of your home, then select a coverage amount that suits your needs. it should be noted that the replacement cost if vastly different that the market value of a property. The market value of a property is the cost a buyer pays for the home and the land it sits on. It does not factor in current labor costs, materials costs, the homes purchase cost, not does it include the value of the land that the house sits on. For insurance policies, replacement cost is simply the expenses and cost to repair or replace the entire home following some peril such as a fire which heavily damaged or destroyed the home.

Replacement costs do not factor in any of these:

* The cost of the building at the time of purchase.
* The market value of home.
* Any outstanding mortgage loans, property liens or second mortgages on the property.
* The cost of the land itself.

To obtain the replacement cost of your home, you can consult with your local home builder association or a reliable home construction company for an estimate that factors in currant labor costs and material costs. If you are in the process of buying a new home, you can ask for the replacement cost estimate when you have the property appraised. You can also ask your insurance company for assistance in determining the right coverage amount.

Every few years you should get the replacement cost of your home reassessed. There are many factors that can raise or lower the cost of replacing your home. Market conditions in your neighborhood or geographical location can affect the cost of replacing your home. Replacement costs are influenced by the cost of labor, labor demands as well as the cost of building materials in your geographical location, and these factors tend to change at least every 5 years. Inflation even has an effect on the replacement cost, and certain factors can raise that rate, such as severe weather and natural disasters in your geographical location which would increase the cost of labor and materials.

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Besides regular property insurance you may want to consider additional coverage such a flood policy. Home owners insurance will not cover flood damage, and the United States has been seeing a record amount of property damage due to floods. Flood insurance is affordable with the average premium for a flood policy in the U.S. priced around $540 a year, according to the National Flood Insurance Program.

Many insurance companies are now excluding any hurricane damage claims. You can however buy Hurricane Insurance. hurricane insurance costs will vary greatly in cost based on geographical location, age, condition of your home as well as other factors. If you live in a hurricane prone state such as Texas, Florida and Louisiana, you may want to consider this coverage to fully protect your investment. The annual premium cost for a property insured for $150,000 can be as low as $3,000 and would fully cover your property in the event of hurricane damage.