Hailstorms can strike unexpectedly, causing significant damage to homes and vehicles. Hail can come in all sizes, and the resulting damage can be both costly and time-consuming to repair. That’s why it’s important to take steps to prepare in advance, stay safe during the storm, and know what to do afterward to protect your property.
Prior to a Hailstorm
Inspect Your Roof
Before storms hit, take a moment to inspect your roof. Look for any damage or problem areas that might need repair. A well-maintained roof is your first line of defense.
Think Impact Resistance
If you’re considering a roof replacement, think about installing impact-resistant shingles. They can provide added protection against hail and extend the life of your roof.
Maintain Your Trees
Keep trees trimmed and maintained to reduce the risk of branches breaking and causing damage during a storm.
Clean Your Gutters
Ensure your gutters and downspouts are clear. This helps water drain efficiently from your roof and prevents potential leaks.
Check Your Insurance Coverage
Review your home insurance policy to ensure you have adequate coverage in case of hail damage. Some insurance carriers in Wisconsin may offer limited coverage or reduced payouts on roofs older than 10 years, factoring in roof age and condition when determining coverage for damage. Specific limits and payout structures vary by insurer and policy. Make sure you understand the specifics of your policy, doing so can save you stress later on. Look specifically for policy language about cosmetic exclusions and hail/wind deductibles.
Before the Hailstorm
Park Vehicles in the Garage
If you have a garage, now is the time to use it! If not, cover your vehicle with heavy blankets or car covers to protect and minimize the potential for hail damage.
Move Items Indoors
Bring in bikes, outdoor furniture, and any other loose items that could become damaged or blow around during the storm, cause more destruction.
Close Your Curtains
This can help protect your home and its occuments from shattered glass if hail strikes your windows.
During the Hailstorm
Seek Shelter
If you’re outdoors, find a safe place to protect your head and body from hail by covering up and taking shelter in a sturdy structure if possible.
Stay Inside
Keep away from windows and doors to avoid injury from flying debris. It’s best to stay in a basement or an interior room.
After the Hailstorm
Once the storm has passed, if your home has been impacted by hail, follow these steps:
Assess Damage Safely
Once it’s safe to do so, assess the damage to your home. Check for any visible damage to the roof, windows and siding. Don’t forget to inpsect your vehicles for dents or other damages as well.
Contact Your Insurance Company
Review your coverage and deductible with your insurance company to understand what is covered and how to proceed with a claim should you choose to do so.
Work with a Local, Reputable Contractor
If repairs are needed, contact a local, reputable contractor. Be extremely cautious of door-to-door salespeople that may appear following a storm. Take time to research a company’s reviews, reputation and any warranties they offer before signing any contracts!
Learn more about what to do after a tornado or severe weather affects your home here.
PRO TIP: Beware of Storm Chasers
If your home was damaged by a storm, don’t get scammed by storm chasers! Many trusting homeowners often fall victim to these fly-by-night, gone-in-a-flash opportunists. If tornado, hail, wind or other damage affects your home, it is CRUCIAL for you to find a local, reputable contractor to do the work. Make sure they are based out of the metro Milwaukee area.
Hailstorms are unpredictable, but being prepared can help minimize the damage they cause. At Allrite, we’re committed to helping homeowners across Wisconsin safeguard their property and get back to normal after a storm. If you experience damage to your home, don’t hesitate to reach out to us for guidance and expert repair services. Stay safe, stay prepared, and let us help you protect your home for the long term.
If you need more information or assistance, contact us for a free consulation on any exterior updates or insulation needs. We’re here to help!
