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Nice folks in central Oklahoma begin to come to grips with the wreckage of the tornado.
Those left behind flattening entire neighborhood seventeen miles wide.
How old face another how -- would face another.
They many lack insurance coverage that would compensate for their losses real estate expert Bob -- is here she goes through it also Bob everywhere say -- does my insurance cover this.
So here's a question do standard homeowner's policies generally covered tornadoes.
In an area known for tornadoes.
They do Brian most standard policies.
Will cover this kind of wind damages -- distinctly different.
That is we talked about flood insurance -- most of the policies exclude that yet that certain kind of federal coverage for flood insurance.
Yes most standard policies will cover for the type of damage that we're talking about that these people unfortunately have experience off the -- your head are you better off with your home -- -- damaged.
Well obviously you know that the damage would be better but what you're basically faced witnesses.
If in fact from these people and dealing with all the deaths that thing like that there's an emotional.
-- that everybody's dealing with.
What happens is -- is for example the insurance will cover for your furniture for your clothing for your purse belongs.
And actually Brian relocation put you in a hotel.
Gives you mills.
Now there is.
There are caps of that Brian Edwards as being reasonable expenses and things like that and because of where this happened.
Word they relocate these people were they gonna put that so the adjusters are on the ground already in Oklahoma I mean they're trying to figure this out.
This is a very complicated process.
Right it's typical -- the people because of the emotional loss they're dealing with that vs practical living.
I don't talk to the governor yesterday said the shelters -- doubtful therefore they -- the so people did have some options in the hotel rooms.
So how much will insurance pay that's going to be the key -- has some power policies -- -- and that's why some try to keep here.
You know their monthly payment down they might pay the price now yeah.
-- that that's a very good point because remember Brian we're limited by the policy that would -- And what's always interesting to me is those that live in these areas that we see so often.
You know because times have been tough in the money's not there.
They get you know that they get the best that the basic policy to cover their losses they -- -- including -- sometimes that's exactly right and that is where you get into the renters part of -- Bryant.
Those people have been -- homes most of the time the biggest a mission in this country is renters insurance those people.
Are really really gonna have more time because there's no coverage that's they have -- coming in and there's things that they get involved with.
A renters are really gonna have a problem with any coverage rivals -- -- have the assurance of someone rents for me and they in my house -- -- that they are renting.
Today come -- on my homeowner's policy.
No because your contents.
The -- -- of the -- her.
The tenets are suppose that renters insurance that's why anybody that leases on directors you tell -- -- renters insurance because the policy that you have is wrong.
It's not gonna cover for their contest -- -- -- Again and again Egypt is 101 in light and shortly but we got him here.
On fox news' Bob Massi thanks so much.
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