Tornadoes strike Wisconsin communities with little warning and cause widespread damage. When a storm hits your home, you expect your homeowners insurance to help with repairs. But what if the tornado destroys your detached garage, shed, or fence? You can prepare better when you understand how most Wisconsin policies handle these structures.
What insurance typically covers
Most Wisconsin homeowners policies include a section called “other structures” or “Coverage B.” This part of your policy protects buildings on your property that do not attach to your home, such as garages, sheds, gazebos, or fences. Many policies set this coverage at about 10% of your home’s insured value, though the percentage can change by insurer. For example, if your home carries $300,000 in coverage, your detached structures may qualify for around $30,000 in protection, depending on your policy terms.
When coverage may vary or be limited
Coverage for tornado damage to detached structures depends on the perils listed in your policy. Many homeowners policies cover wind and tornado damage, but some include windstorm deductibles or exclusions. Your insurer may limit coverage if you use a structure for business, rent it out, or leave it off your policy. Certain materials or older structures might need endorsements to meet current building codes. Check your declarations page so you know exactly what your policy covers before a storm arrives.
How to document tornado damage
After a tornado, photograph every damaged structure from several angles. Save all receipts for repairs and cleanup, and write down the storm date. Detailed records, especially for recent upgrades like a new roof or shed, strengthen your claim and reduce the chance of disputes with your insurer.
What to check before storm season
Review your homeowners policy before tornado season to confirm your “other structures” coverage. If you own large or valuable outbuildings, raise your coverage limit to match their value. A quick review now helps you avoid stress and surprise costs later.