4 Tornadoes Strike Orlando Central Florida and Blanket the City’s Metro Area in Debris
The third major storm of the year; tornadoes strike Orlando Central Florida throughout the evening and night bringing down trees and lifting parts of roofs as wind gusts reach 75MPH in some areas. And Floridians were quick to respond and video record the storm including Troy Jacks and wife Crystal with Calloway Roofing LLC. They noticed an abnormal cloud formation and decided to record it and not knowing that was the start of the funnel formations.
Residents in Orlando metro, Lake Mary and Deltona felt the wind gusts and braced as no one can see if and when the tornadoes would strike at their homes. Orlando resident Josh Thornton in the Mills Market area immediately sent out a message to friends saying, “there are houses in the neighborhood with roofs torn off!”
Days Into the Hurricane Season and the 3rd Storm For Central Florida
The east and southern coasts see weather prediction reports that state that this year’s hurricane season will be a busy one and as such forms can form quickly and with little notice.
Lake Mary FL residents are just starting the process of selecting a roofing contractor to inspect their roof from the 5-21-2020 hailstorm that hit the community recently, and no one would have predicted another storm so close behind. Even Deltona residents like Lizaira Cains were surprised to see a Tornado Warning issued for the Deltona area and quickly took shelter along with her 5 siblings.
Tornadoes Strike Orlando Central Florida 1 Month After A Previous Wave of Tornadoes
A total of four tornadoes touched down in Volusia, Orange and Sumter counties with the Deltona tornado touching down in the northern part of Lake Monroe. Other powerful wind gusts and tornado touchdowns occurred in or near The Villages, Linden and Mabel Florida, and Orlando’s metro and Winter Park neighborhoods.
Storm warnings continued up to 10:15PM in Seminole and Volusia counties with rain continuing through most of the night.
“What a year we are having in 2020. It has been a very trying year.”
This wave of tornadoes arriving just one month after 2 tornadoes touched down in the Lake Jesup area on month earlier.
After the Tornadoes: Law and Ordinance May Replace the Home
The damage caused by these tornadoes will provoke a homeowner to call their insurance company. And the Attorneys at Grant, Fridkin and Pearson state that,
“…in 1993, the Florida Legislature required insurance companies to make law and ordinance coverage available to all homeowner’s insurance policyholders in Florida. According to Florida Statute § 627.7011, the offer of law and ordinance coverage must be made at policy issuance, first renewal and every three years thereafter. Insurers are required to offer policyholders the option of purchasing law and ordinance coverage for either 25 percent or 50 percent of the dwelling limit. If a policyholder chooses to decline law and ordinance coverage, it must do so in writing.”
That may mean that the homeowners may be entitled to the complete re-construction of their homes if the damage to their property exceeded 50%. However, the need arises to have a full-condition and proper inspection of the property both inside and out to determine if it does in fact exceed the 50% threshold.
Law and Ordinance is an important factor in Florida homeowner policies. It ensures that the dwelling and items such as the roof are covered and completely replaced by insurance when they exceed the 25% and 50% damage rules.
If a homeowner is not sure if Law and Ordinance is included in their insurance policy, you can check the third page of your policy’s Declaration page. You should be able to find an area that talks about Law and Ordinance Coverage and what percentage you are covered for. It is important to know what exactly is on your policy, especially as in this case, it may mean a completely new home.