We've said it before and we'll keep saying it: Don't ever purchase an insurance policy before reading it over carefully. Too many people sign blindly without thinking about the potential consequences. What do these people have common? They think that they are now invincible. They think that their new policy covers them against everything... until disaster strikes and they realize how wrong they were.
Of course this is a very grim scenario and one that we pray you will never experience. If, however, you find yourself in the situation described above (minus the disaster part) it's still not too late to fix things. Now is the perfect time to read over your policy and purchase additional coverage if needed. (You might want to consult a broker if you need help with that.)
One of the most commonly asked questions in Fort McMurray related to homeowner insurance coverage is this one: Is tornado damage covered by Fort McMurray home insurance?
Unfortunately, there is no "one-size-fits-all" answer to that question. However, we can speak generally and tell you that yes... most home insurance policies in this city do cover tornado damage. Just please don't hold us accountable if you believe us only to find out later on that your policy is one of the few that don't cover this type of damage. It's up to you to do your homework now.
Good luck! (Oh and while you're at it don't forget to check if your policy covers you against floods and earthquakes too.)