Yes, damage caused by a tornado is fully covered under standard home and auto insurance policies in Canada. Tornado destruction is classified under windstorm damage, which is a primary mandatory peril included in all standard property insurance contracts. If a tornado strikes your home, your policy covers structural repairs, rebuilding costs, roof damage, broken windows, damaged detached structures, and additional living expenses if you are temporarily displaced. Similarly, if you carry comprehensive auto insurance, vehicle damage resulting from flying debris or a direct tornado strike is covered.
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