The tornado that ripped through Gaylord last week is expected to cost millions to repair -- and, insurance companies warn, some survivors will be lucky to be able to make them in the next few months.

One insurer is estimating a damage payout of up to $10 million to its clients.

Local, state, and federal damage assessments are expected to begin Wednesday morning, and if they meet the criteria for federal help, the state likely will ask for it, according to Michigan State Police officials said.

The governor’s office will decide whether to make the request.