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If you're caught in a tornado, your first plan of action should be to find shelter, says Judge. But if that's not possible, diving into a ditch could be dangerous.
It’s true that a ditch can offer a temporary escape from flying debris. However, if you seek shelter in a car, put on your seat belt, crouch below window level and turn on the ignition so that air bags will deploy if an object hits the vehicle. "That, to me, is the better way than to jump down into a ditch," says Judge.
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He won’t be able to transfer the existing policy to you. You’ll need to buy your own home insurance policy. You could call up the same company he uses to get a quote, but this is a good time to shop around to compare prices among insurers...
Sounds like you’ve put the cart before the horse here. You need to have an insurance policy in effect at the time of the damage or injury in order to have the claim paid...