Hail season is coming…actually, it’s already here. Colorado’s damaging hail season is considered to be from mid-April to mid-September, with the most damaging and most frequent storms typically occurring in June. Colorado’s Front Range is located in the heart of “Hail Alley,” which receives the highest frequency of large hail in North America and most of the world, so residents usually can count on three or four catastrophic (defined as at least $25 million in insured damage) hailstorms every year. In fact, in the last 10 years, hailstorms have caused more than $3 billion in insured damage in Colorado.*

Most likely, the 2020 hail season will be just as damaging and violent as years past. So, what you can you do to prepare?

Before a Hailstorm

Know What Your Insurance Covers and How Much You Need

  • Check your policy to see what’s covered and the deductible you’ve chosen.
  • Your insurance policy typically covers the cost to repair roofs and cars and other common hail damage.
  • You may have a higher deductible for wind and hail damage than you do for other types of claims. Contact our office and we can explain your coverage and deductibles in detail, along with other feasible options when applicable.

How to Reduce Hail Damage

 If you haven’t taken a look at your roof in a while, now’s the time. Roof repairs today can help you avoid extensive, time-consuming cleanup later.

  • Repair or replace worn, curled or missing shingles.
  • If your roof is aging, consider replacing it before hail season begins.

During a Hailstorm

Protect Yourself and Your Car
In severe storms, a hail stone can be as big as a softball and fall at 50 to 100 miles per hour.

  • Stay indoors.
  • Stay away from skylights and glass doors to avoid broken glass.
  • If it is safe, close drapes, blinds or shades to prevent debris from blowing inside.
  • If you can, park your car in the garage or other covered area.

After a Hailstorm

Unfortunately, even with the best planning, hailstorm damage cannot be avoided in Colorado.  So, how can you tell if you have hail damage?  Who should you contact to inspect your roof and/or to get an estimate for repairs or replacement? Should you always turn in a claim? We’ve compiled a four-step process you may want to follow to help you through a possible hail claim process HERE. We understand dealing with damage to your property and filing a possible claim can be a confusing and stressful process.  If at any time you need assistance from one of our team members at RSS, please do not hesitate to contact us. We are here to help!  Here’s hoping for sunny skies an no hail in 2019!

*Source: RMIIA