Hail Damage

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The Hidden Impact of Hail

  • Hail -related insured losses between 2000 and 2019 averaged between $8 billion to $14 billion a year, according to Aon.
  • There were 3,763 major hailstorms in 2021, according to the NOAA’s Severe Storms database.
  • In 2017, more than 10.7 million properties in the United States were affected by one or more damaging hail events.

What Happens During a Hailstorm?

Thunderstorms become hail storms when the updrafts are strong enough to carry water droplets to well above freezing temperatures. This causes hailstones to form, and they get larger as additional water freezes onto them. When the hailstones become too heavy for the updrafts to support they fall to the ground in a hailstorm. During a hailstorm, your property (including vehicles) can sustain significant damage. Keep in mind that in addition to damage from the hail itself, water leaks and damage can occur and small cracks or holes can get significant larger over time. Being without power, having hail damaged rooftops and siding, and associated water damage or flooding can cause additional damage long after the storm is over – and that ongoing damage can affect your insurance claim if you don’t take immediate steps to mitigate it.

Being Prepared for a Hailstorm

You might think that only a massive hail storm with large hailstones can cause significant damage, but smaller stones can be equally destructive, especially because their impact isn’t always as immediately obvious and can cause further interior damage through water leaks. Note that insurance companies expect you to minimize damage fairly quickly in order to pay out on claims, so fixing even tiny cracks as soon as possible is essential. In the event of a hailstorm as in anything else in life, it’s important to be prepared in advance – especially if you live in a states like Texas and Colorado that experiences a lot of hail storms. Document your property by taking extensive pictures and doing video walkthroughs of the interior and the exterior so if there is damage and you need to make an insurance, you have records of what everything looked like before the hailstorm. This might be seem tedious but it will save a ton of time, effort, and frustration in the long run – not to mention your public adjuster(s) will thank you for making their job easier as they deal with your insurance. Another part of being prepared for a hailstorm or any other natural disaster is knowing that you do not have to do everything yourself when it comes to dealing with your insurance company and making claims – you can secure a public adjuster at no up front cost to yourself or business (they take a percentage of the insurance payout).

Don't battle your insurance company without consulting a public adjuster.
You could be leaving a significant amount of compensative reward money on the table.