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Oxendine offers tips for tornado season While tornadoes can occur at any time of year if atmospheric conditions are right, March, April, and May are considered prime months for tornadoes to strike. On April 8 and 9 in 1998, tornadoes caused severe damage across the state and killed 10 Georgians. The heaviest damage was in the north metro area of Atlanta, but fatalities occurred in Cobb, Chatham, Bryan, Long, and Hall Counties. Insured losses came to $85 million. "Georgia's tornado season is just around the corner, and we want all Georgia consumers to be familiar with steps they should take to minimize property damage and financial hardship caused by storms," Georgia Insurance Commissioner John Oxendine said. Oxendine offers these reminders and tips: .. While a standard homeowner's insurance policy covers damage from high winds and tornadoes, it does not cover damage from flooding. A separate policy must be purchased through the National Flood Insurance Program, and can only be purchased if your community participates in the national program. However, a standard mobile home policy can cover damage caused by floods. Check your policy. .. Make a list of all valuables, furniture, electronics, etc., and photograph or videotape your possessions. Keep copies of the list, photographs and videotape in a safe place outside your home. If your home is damaged or destroyed in a natural disaster, it may be difficult for you to tell your insurance agent what you lost without proof. .. Keep your insurance policy numbers and your agent's phone number in a safe place as well. .. If disaster strikes, contact your agent or insurance company immediately.
.. Protect your property from further damage. For example, if your roof is damaged, cover it with a tarp to prevent water damage from subsequent rain. Most policies will not cover such damage.
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