Hailstorms can be unpredictable and destructive, especially in areas where severe weather is common. From dented vehicles to damaged roofs, hail can take a toll on your property – and the cost of repairs can add up fast. Taking proactive steps before a storm hits could help reduce potential damage and support a smoother recovery process.
Protect Your Home Before the Storm Hits
Protecting your home starts with preventive maintenance and smart planning. Here are some practical steps to help reduce your exposure to hail damage:
- Inspect your roof regularly. Your roof is your home’s first line of defense against hail, so weak shingles and worn flashing are prime targets during storms. Have a professional inspection at least once a year, ideally before hail season. They can identify – and repair – vulnerabilities in your roof that might otherwise go unnoticed.
- Secure outdoor property. Move patio furniture, grills, potted plants and tools indoors. Flying debris can cause just as much damage as falling hail.
- Reinforce windows and skylights. Impact-resistant film or storm shutters won’t make your windows indestructible, but they can reduce breakage and protect your interior spaces. For skylights, consider protective covers or reinforced materials that can better withstand impact.
- Trim your trees. Overhanging limbs can turn into wrecking balls during severe weather. Keep branches clear of roofs and power lines to help prevent secondary damage.
- Check your home’s drainage systems. Make sure your gutters and downspouts are clear and securely attached. Blockages can lead to water pooling around your home, and hail can worsen damage to already vulnerable drainage systems.
- Review your insurance coverage. Don’t assume you’re covered. Some policies have separate hail deductibles or exclusions, especially in high-risk zones, so review your homeowners’ policy with your insurance broker to ensure that you’re protected.
- Document your assets. Keep an up-to-date home inventory. Photos, serial numbers and receipts can help to speed up the claims process and help to ensure you receive appropriate compensation.
Minimize Hail Damage to Your Vehicle
Vehicles left in the open are especially vulnerable during a hailstorm. Here’s how to help protect yours:
- Park under cover when possible. Use a garage or carport if you have access to one. If not, consider investing in a portable car shelter.
- Use protective coverings. If covered parking isn’t an option, consider investing in a specialized hail-resistant car cover. In a pinch, thick blankets or floor mats secured with duct tape can provide a temporary buffer to reduce the risk of dents and cracked windshields.
- Avoid parking under trees or power lines. It might seem like a good idea to park under a tree for protection, but falling branches could cause major damage to your vehicle. Power lines pose similar risks.
- Know where to go during a storm. If you’re caught on the road when a hailstorm hits, seek covered parking at a gas station, car wash or overpass. Pulling over in an open area could leave your car – and you – exposed to the elements.
- Stay alert during hail season. Use weather apps or alerts to monitor incoming storms. If a hail warning is issued and your car is exposed, move it to a safer location if you’re able.
Understand Your Insurance Coverage
Not all hail damage is treated the same when it comes to insurance. Understanding your policies ahead of time can help to prevent surprises after a storm.
Home Insurance
Most standard homeowners’ insurance policies include hail damage, but coverage can vary depending on your location. In high-risk areas, you may have a separate hail deductible that differs from your standard deductible. Some policies may also exclude certain types of damage unless additional coverage is purchased.
Auto Insurance
Hail damage may be covered under comprehensive auto insurance. This optional coverage helps pay to repair or replace your vehicle if it’s damaged by hail, theft, fire or other non-collision events. If you only have auto liability coverage, hail damage likely won’t be covered by your policy.
After the Storm: What Not to Do
If a hailstorm has already passed, resist the urge to “wait and see.” Even small dings can lead to bigger issues like leaks, mold or structural damage if ignored.
- Don’t delay documentation. Take photos and notes immediately after the storm, even if you don’t see obvious damage.
- Don’t make permanent repairs until a claim is filed. Temporary fixes to prevent more damage are okay, but keep in mind that your insurer may need to see the original condition first.
- Don’t skip your deductible. If a contractor offers to “absorb” your deductible, be cautious. It may be illegal in some states and could void your coverage.
Don’t Weather it Alone
You don’t have to face hail season unprepared. The right insurance coverage, paired with proactive preparation, can offer peace of mind and a practical path to recovery.
Higginbotham can help you explore insurance options to protect your property and assets. Talk to one of our personal insurance specialists to learn more.
