Spring means hail, and costly hail damage

Flooding, tornadoes, hurricanes and wildfires often steal the spotlight but beware of underestimating the fury of a hailstorm.

Reports of Golf Ball Sized Hail in Houghton Lake MI - 

video from Kevin Blazo Houghton Lake Resident 

August 2nd 2015

Hail causes about $1 billion in damage to crops and property each year, according to the National Oceanic Atmospheric Administration (NOAA). And although hailstorms are rarely associated with fatalities, they are responsible for serious injuries and severe property and automobile damage.

Here is some advice on how to prepare for potential hail storms:

Before a Hailstorm

• Check your policy to see what’s covered and the deductible you’ve chosen.
• Your insurance policy typically covers the cost to repair roofs and cars and other common hail damage.
• You may have a higher deductible for wind and hail damage than you do for other types of claims.
• Talk to your local independent agent to find out more.
• Repair or replace worn, curled or missing shingles.
• If your roof is aging, consider replacing it before hail season begins.

During a hailstorm

• Stay indoors.
• Stay away from skylights and glass doors to avoid broken glass.
• If it is safe, close drapes, blinds or shades to prevent debris from blowing inside.
• If possible, park vehicles in a garage or other covered area.

“Hail comes without much warning,” said 27 year insurance veteran Ronald Dwyer of Roninsureme.com, “and can cause significant damage to property.”