Hail Season Is Coming

For those who live in areas of the country where hail is prevalent, it’s time to get ready. Hail season is swiftly approaching, and as those who have experienced hail damage before know, it’s important to be prepared before the hail storms actually start. Today we are going to talk about the ten states most at risk for hail damage, and outline a few of our best insurance tips to keep in mind if you do experience any hail damage.

A recent report from State Farm found that they paid out $3 billion in hail-related damage during 2017 alone. After compiling all the claims, they ranked the top ten hail damage states in order of severity. If you live in any of these states, you need to make sure you have the correct insurance policies! Those ten states are: Texas, Illinois, Minnesota, Colorado, Missouri, Nebraska, Indiana, Oklahoma, Iowa and Kansas.

Now, if you do experience hail damage here are a few things to keep in mind…

If your car is damaged:
Take your car to a body shop to get an accurate estimate for repairs. Remember, most insurance policies have a deductible. If your car is damaged by hail it’s worth seeing if the damage is going to be more than your deductible. If it’s not, it’s probably not worth filing a claim.
Remember, generally filing a claim for hail damage alone will not affect your premiums.
Take pictures of the damage as soon as it happens!

If your house is damaged:
Take photos of all the damage as quickly as possible, and remember to check in hidden areas too! Hail can often damage roof shingles, gutters, windows and even siding.
Remember, most insurance companies will not cover damage that they consider to be cosmetic. Your policy will likely only kick in for damage that affects the structural integrity of the house.
Insurers will require an adjuster to visit your house and assess the damage themselves. Be sure to schedule this as soon as possible after the damage occurs.

There’s no doubt that hail can be a genuine pain, but depending on where you live it can be unavoidable. The best thing you can do is to make sure you have the proper insurance policies in place so that if you are caught in a hail storm, you are financially protected.

If you have any questions about your current insurance policy, or want to inquire about a new one, you should reach out to the staff at TGS Insurance. Visit www.tgsinsurance.com to learn more.