Living in Hail Alley

Living in Colorado has many perks – endless outdoor activities, a great dry climate, and beautiful vistas – just to name a few. An unfortunate part of living in Colorado is that we are one of six states that make up what meteorologists refer to as “Hail Alley.” That means that we can expect an average of 7 to 9 days of hail each year between the months of May and September.

Not all Hailstorms are Created Equal

Some hailstorms drop dime sized hail that makes a lot of noise but causes little (if any) damage. Other storms can drop quarter or golf ball sized hail, which can result in tremendous amounts of damage.

While hail is not a very predictable meteorological event, there are several steps you can take as a home or business owner to help ensure you’re covered should something happen. Below are some tips and steps to take to do all you can to prepare for this unpredictable season.

Before a Hailstorm

  • Know what your insurance covers.
  • Check your policy to see what’s covered, what’s not and note the deductible you’ve chosen as deductibles for wind and hail damage may be higher than what you have for other types of claims.
  • For commercial property owners, check your property policies to ensure that you have wind and hail coverage and to confirm your deductible.
  • If you live in a Community Association where the Association insures the buildings (like a condominium building or townhome), it is highly recommended that you check with your personal insurance agent to be sure you have the proper Loss Assessment coverage within your homeowners policy.

During a Hailstorm

  • Protect yourself first, then your car.
  • If you can safely move your car to a covered parking spot or garage, do so.
  • Stay indoors, and stay away from windows, skylights and glass doors.
  • Wait to go outside until the storm has passed.

After a Hailstorm

  • Walk around your property to asses whether or not the hail caused any damage.
  • If you suspect damage has occurred, contact your insurance carrier to place a claim as soon as possible.
  • If you’re able to, take photos of the damage for your records.
  • Take steps to protect the property from any further, immediate damage (such as using a tarp to cover a broken skylight) and keep receipts to submit to your carrier for consideration under a claim.

While it’s nearly impossible to predict when and where a hailstorm will hit, taking the above listed steps will ensure that you’re as prepared as possible should an event occur. If you have questions about your personal or commercial coverage, contact one of our team members today.