That's what insurance is for, I'm sure they had it. Anyone living in the states that owns a home, especially ones that live in tornado areas, has insurance. It looked like they lived in an upscale neighbourhood, and they had a nice house and nice things it looked like, the tv was huge, there was exercise equipment (poor folk don't have funds for exercise equipment that shit is expensive) I'd bet a million bucks they had insurance.
However that doesn't replace sentimental and personal items like wedding dresses, or photo albums but at least you'll still have a house.
But holy fuck was that terrifying! That video really made you feel for those people, you could hear the terror in Josie's sobbing...that would be fuckin horrible, I can't even imagine what it would be like to experience something like that. Those poor people. And poor neighbours! I hope everyone and all pets were ok, but somehow I doubt it.
Sorry but you're talking absolute bullshit, if you live in a 'tornado area' it's impossible to buy home-owners insurance, so you're basically fucked every time your house gets blown apart x