Wind can cause extensive damage to homes, especially in the form of tornadoes. From broken windows to total destruction, tornadoes can reach wind speeds over 300 mph, ripping homes off their foundations.

Home insurance can help cover tornado damage, but policies vary in what they cover. Most policies include coverage for dwelling, other structures, personal property, and loss of use expenses.

Exclusions from standard homeowners insurance for tornado damage include flooding, earth movement, wear and tear, mold, and damage caused by pests.

When filing a home insurance claim for tornado damage, document the damage, make quick fixes to prevent further damage, and be prepared to share a list of damaged belongings with the adjuster.

Consider hiring a public adjuster if your home has significant damage, your claim was denied, or you disagree with the value of the damage. Public adjusters charge a percentage of your settlement.

Before a tornado hits, take steps to protect your home, such as pruning trees, securing outdoor items, strengthening vulnerable areas, inspecting gutters, caring for your roof, reviewing insurance coverage, and creating a home inventory.

Tornado damage to homes and personal belongings is usually covered by home insurance policies. Renters insurance typically covers tornado damage to personal belongings and loss of use expenses.

Comprehensive coverage in car insurance can protect your vehicle from tornado damage. It covers unexpected damage caused by events outside your control, such as tornadoes, strong winds, hail, flooding, and lightning.

Read more at Yahoo Finance: How to insure your home against tornado damage