Should I rebuild my house after a tornado?

"I lost my whole house in a tornado and all my belongings are gone. Is it better to rebuild the house or to take the total loss and move on?

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Answer provided by
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Shannon Martin
Answered on Apr 05, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“I am sorry to hear that you lost your home. The answer to your question ultimately comes down to what is best for you at this point in your life, as well as the potential risk for more tornadoes in the future. Whether you rebuild or not, you should reduce your risks and have any hazards or debris removed from the property.
If you decide to move on, you will need to decide what to do with the land that your home was on. If you decide to rebuild, you will need to find a trustworthy contractor who is comfortable working with both you and your insurer. You will also need to determine whether the risk of repeated tornadoes or other natural disasters can be mitigated during the rebuilding process. “
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