
Head for the bunkers! Batten down the hatches!!
The local Play-Nooz is having a field day with today’s rainstorm. Now we’re being told there’s a tornado watch in effect until 10:00 p.m. HO-lee mackerel!
Well, when you go to the National Oceanic and Atmospheric Association’s weather watch pages, you indeed find notice of a hazard…in the low to moderate range. Probability of a serious tornado: oh, maybe 5 percent.
LOL! Brings to mind the time the local TV stations told us a typhoon was bearing down on us. Right out of a sapphire-blue sky…
We do occasionally get some pretty spectacular cyclonic winds. If you’ve been reading this blog for a while, you may recall the grand storms of the summer before last, which hit the central historic district hard and flattened a beautiful old downtown home.
Because houses here by and large are cheaply built, it doesn’t take a tornado to wreak serious havoc. A few years ago one of my students was put out of her home with her family—husband, two small children, mother-in-law—when a fairly ordinary thunderstorm took ahold of the central air-conditioning unit and ripped it right out of the roof. Subsequent rainshowers poured in through the hole, destroying most of the house’s furnishings and interior.
But genuine, certifiable twisters are rare as hen’s teeth. About 25 or 30 years ago, one did touch down in central Phoenix—right on top of a friend’s veterinary practice. It effectively leveled the building. The insurance company tried to deny that the destruction was caused by a true tornado. When that detail came out in a newspaper report (in those days, we had reporters who worked for a newspaper that reported news, quaintly enough), someone who lived in the area came forward with a photo of the thing. It was undeniably a tornado, headed straight for the Alta Vista Veterinary Hospital.
So, it’s a good idea to be insured for any eventuality, even if the risk seems remote.
And in getting coverage, it’s important to understand what specific events your policy covers. Some homeowner’s insurance, for example, requires extra coverage for events like hurricanes, floods, or earthquakes, either as a rider or in a separate policy. And you should be sure that you understand whether your policy covers replacement costs (the cost of buying new stuff to replace things that have been ruined) or actual cash value (the amount you could have gotten on Craig’s list for your moth-eaten sofa and your ten-year-old TV).
As I was writing this, La Maya called to say her sister was on the phone from Yarnell: the arroyo behind the house is running, big-time, and the water is halfway up the slope to the back door. They’re packing now, in case they have to evacuate. La Maya, who owns the house and rents it to her sister and BIL, said she felt very glad that she had just sent in the $800 premium for the extra flood insurance.
Pay the insurance bill and pass the ammunition!
Images: Tornado in Central Oklahoma, May 3, 1999. NOAA. Public Domain.
Arizona road and snow at Mormon Lake: Not so much…