What is the impact of a tornado on Tom's duplex in terms of insurance claims?

The correct choice indicates that a tornado affects both the structure and contents of Tom's duplex. In the context of property insurance, a tornado is a severe weather event that can cause significant damage not only to the physical structure of a home but also to the personal belongings inside it.

Homeowners insurance typically provides coverage for damages resulting from natural disasters like tornadoes. When a tornado strikes, it can cause damage to the walls, roof, and foundation of the duplex, which constitutes the structure. Simultaneously, it can destroy or damage personal items, such as furniture, electronics, clothing, and other possessions within the home.

Therefore, in the event of a tornado, policyholders would be able to file claims for damages to both the real property (structure) and the personal property (contents). This highlights the importance of understanding the scope of coverage provided by a homeowners policy, ensuring that both the structure and personal belongings are adequately protected in the event of natural disasters.