Chapter 4:Property Insurance
Tornadoes in Ohio
 

Ohio, positioned geographically on the eastern edge of what has come to be known as "tornado alley," is no stranger to tornadoes. In fact, Ohio experiences an average of 16 tornadoes each year, not to mention the hundreds of severe thunderstorms. Ohio's peak tornado season runs from April through July, with most tornadoes occurring between 2-10 p.m. Even though June has been the month with the most tornado occurrences, many of the state's major tornado outbreaks have taken place in April and May. However, history has proven that tornadoes can occur during any month of the year at any time of the day or night.

In 1999, there were 19 confirmed tornadoes in the state, which were responsible for four deaths.

Insurance coverage for tornado damage
Tornado losses to a home are covered by the windstorm peril under the homeowners insurance policy. Protection from windstorm or hail damage for cars is covered under the "other than collision" (comprehensive) portion of the automobile insurance policy.
Ohio Tornado Occurrences and Deaths by County
More tornadoes were spotted in January, 1999 than any other January on record, with an unofficial count of 161. The previous record for a January was in 1975 with 52. January 21, 1999 also set a record when 87 tornadoes were reported, the most for any day in January.
(USA Today, 2/2/99)