Are you prepared for hail season this early spring? The potential for costly property damage is high, with hail being responsible for some of the most frequent and expensive insurance claims in the U.S. In 2022, hail caused over $3.5 billion in insured losses from more than 6,900 reported events nationwide. States like North Carolina, Wisconsin, and Virginia are frequently hit hardest, making them the top regions for hail claims.
From pea-sized pellets to large ice chunks, hail during severe thunderstorms can vary in size, causing significant damage to roofs, windows, siding, and other property. The impact of hail can be devastating, affecting various parts of your home.
Common Types of Hail Damage to Your Home
Your roof is typically the most vulnerable part of your home during a hailstorm, but other areas can also be affected:
- Roof Damage: Large hailstones can cause significant damage to roofing materials, especially if they are older or lower quality.
- Windows and Siding: Hail can crack or shatter windows and dent or crack siding materials.
- Decks and Landscaping: Wooden structures and plants can be damaged by large hail, leaving marks or structural issues.
- Gutters and HVAC Equipment: Hail can dent or break gutters, downspouts, and outdoor HVAC units.
Why Some Homes Experience Hail Damage and Others Don’t
Not every home in the path of a hailstorm experiences the same level of damage. Factors such as roof slope, shingle quality, and natural barriers play a role in determining the extent of damage.
- Roof Slope and Direction: Roofs facing the storm are more likely to experience hail damage than those with less direct exposure.
- Shingle Quality: Newer, heavier shingles tend to withstand hail better than older, lighter ones.
- Natural Barriers: Trees and natural obstacles can protect a home by absorbing or deflecting hailstones.
Verifying Hail Damage
Following a hailstorm, it’s crucial to have a qualified professional inspect your property to accurately assess the damage. It’s essential to distinguish hail damage from normal wear and tear to ensure proper insurance coverage.
To avoid roofing contractor scams, Central recommends engaging your insurance carrier for a reputable evaluation or utilizing their advanced data sourcing tools for remote roof assessments.
Learn More: Who is Most at Risk for Contractor Fraud?
The Central Difference
Protect your home with Central Insurance’s comprehensive homeowner and commercial property policies designed to safeguard your property from hailstorms. With tailored coverage options and personalized service, Central Insurance ensures protection from the financial burden of hail damage.
Partner with Central Insurance to safeguard your property and gain peace of mind knowing you’re backed by experts. Contact one of our agents today to learn more about protecting your home during hail season.
Remember, policy coverages may vary. Read your policy to understand your actual coverage.
