While Florida was mostly of the states without snow earlier this week, we did see some hail. February to July would be the most active months within the southeast region for hailstorms.
The nation's Oceanic and Atmospheric Administration (NOAA) explains, hailstones are formed when raindrops are carried into updrafts of cold zones from the atmosphere and freeze.
“Hail damage is probably the top homeowners insurance claims annually,” says Ellsworth Buck, V . p . of Insurance. Hail-related insured losses between 2000 and 2021 averaged between $8 billion to $14 billion a year, based on Aon.
Typical hail damage includes damage to the rooftop, siding, windows, and additional structures such as your deck. If you think your house has suffered damage from a hailstorm, speak to your insurance professional right away. Be sure to record the date from the storm and take photos for your records.
When checking around your home for damage search for the next:
- Dents in gutters and out vents
- Chipped or cracked windows or skylights
- Damage appearing somewhere of the roof
- Dark spots appearing on singles in a random pattern
While some damage is easy to identify, you might not always be able to begin to see the damage hail has been doing for your roof. We recommend you let an expert increase on the roof the inspect for damage. An insurance coverage adjuster will easily notice the difference between hail damage and normal wear and tear.
Homeowners insurance covers hail damage. In Florida, we've mandatory hurricane deductibles, which also cover hail damage. However home insurance doesn't cover hail damage to your car.
” For coverage to protect your automobile, you'll need comprehensive insurance, put into your present auto insurance policy,” says Buck with Insurance.
Not only will car insurance cover the dings, dents and broken windows from hail damage, additionally, it covers damage caused by severe weather. Additional damage included in comprehensive car insurance includes fire, flood, vandalism, theft and falling objects for example tree branches.
If you've questions about what your car insurance or home insurance covers or should cover, contact Insurance today.
