Hailstorms frequently arrive in concert with thunderstorms, and due to the increase in population and urbanization in many areas of the country, there has been a rapid increase in the number of hailstorms which cause millions of dollars (even hundreds of millions) in damages. Even if a homeowner is insured against hail damage, he or she may well have to pay a high deductible before the rest of the cost is covered by the insurance company. Because hail can accompany any significant thunderstorm, it is a constant threat in many areas and severely damages roof coverings, ceilings, walls, floors and personal possessions.
Roof tiles/shingles, skylights, and roof-mounted equipment are all at high risk of damage from hail, with aging and weathering playing a part in making them even more susceptible. While studies show that most commercial roof coverings are usually not damaged by hail of less than 1-1/4 inches in diameter, some shingles may be; therefore, if you are buying a home or having one built in an at-risk area for hail, it is wise to check into what type of impact-resistant materials have been used. Materials that are rated Class 4 under the UL 2218 classification system developed in 1996 provide the most protection, and although the test standards were developed primarily with respect to rigid roofing materials (slate, clay, concrete tiles), they may also be applied to other roofing materials. As for roof-mounted equipment, choose the sturdiest products available and/or install protection such as hail guards, shields, and wire mesh.
Alliance Insurance Group can help you get the insurance coverage you need for your home, giving you peace of mind no matter what the weather, so call us at 303-279-9700 or 888-279-9701 or contact us online. For more information on hail storms and other weather risks, visit www.DisasterSafety.org, where you can use the zip code tool to determine the potential risks that you may face in your area.