Oh spring. The greenery is coming back to life, flowers are blooming, and winter coats are being put away. As nice as it may be outside, there is still a chance for potential weather hazards, like hail. The chance for severe thunderstorms that produce large pieces of hail are greater in Colorado, Texas, Kansas, and other states surrounding “Hail Alley”.
If you live in or near these states, having hail coverage on your insurance policy is a necessity. Many insurance policies will have hail coverage included in the dwelling coverage portion of your policy. It is important to double check with your agent to make sure this is included in your policy. If it is not an option to be included in your standard insurance policy, you will want to be sure to add additional coverage if you live in an area that is more prone to hail.
Hail coverage will typically cover the repair of damage to your roof, siding, windows, and other exterior property caused by hail. It can also cover the cost of replacing items such as outdoor furniture and air conditioning units that may be damaged by hail. The amount of coverage you have will depend on the type of policy you have. It is important to discuss any hail coverage with your insurance agent to ensure that you are adequately protected.
Are You Prepared for Hail?
If you live in, or recently moved to an area in or near “Hail Alley”, it is very important to brush up on your knowledge of what to do before, during, and after a hailstorm. Knowing these steps will help you minimize damage and know what to do when filing an insurance claim.
It may also help your claim get settled faster. We put together a list of the necessary steps to take in the event of a hailstorm. You can read our article here.
Hail in Colorado
With weather patterns becoming more and more unpredictable, we have to ask ourselves, “are hail storms becoming more frequent in Colorado?”. In the last 11 years, hailstorms have caused more than $3 billion worth of damage in Colorado, and is expected to rise in the years to come. The peak season for severe hailstorms in Colorado is April - August.
One of the best ways to do this is to invest in hail-resistant roofing materials. There are also other protective measures you can take, such as covering windows and doors, trimming trees and shrubs, and using shutters or tarpaulins to protect your property from hail damage. By taking these steps, you can minimize the potential damage caused by a hailstorm. Additionally, it’s important to have up-to-date insurance coverage so that you can make a claim if you experience any damage.
If you would like to speak to a professional about hail coverage or preventative steps you can take, please fill out the form below. You can also call us at (303) 279-9700. Stay safe during these Spring and Summer months!