Third-party adjusting firms also are anticipating an increased demand for their services because of the extent of damages that can occur in a tornado. Experienced independent adjusters likely have already started fielding phone calls for their services.

"With tornado claims, you see a lot of total losses and a lot of wind shear, where the tornado just shears off the side of a building or a corner and damages a structure's frame," said Melvyn Huckaby , director of training and catastrophe liaison for Wind Policy Specialists , a provider of independent claim services based in Texas. "Tornadoes can tear off a roof and they can knock down structures, so you have a lot of falling objects, which can act as rocket-propelled objects at times. These are typically high-dollar claims, but at the same time there's going to be a lot of small claims under $5,000, too."

According to the HYPERLINK "http://www.iii.org" Insurance Information Institute , tornadoes are covered under standard home and business insurance policies for physical damage to property. There is also coverage for the cost of additional living expenses and business interruption. Damage to cars is covered under the comprehensive portion of an auto insurance policy.

In an average year, the National Oceanic Atmospheric Administration reports that more than 1,000 tornadoes occur nationwide. In 2006, these storms caused more than $8 billion in insured property damages, according to an A.M. Best study. Texas has the highest average annual occurrence rate, but in 2005, Kansas topped the list of states with the most tornado activity with 136.

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