You know what they say, April showers bring May flowers! They might also bring hail damage to your personal property, such as your vehicle or home. While you can’t prevent extreme weather conditions, you can still take steps to keep yourself financially protected and handle the aftermath of the damage with ease.
Hail can’t be prevented, but it can be predicted
When the weatherman predicts hail in the forecast, parking your vehicle in a covered location is the obvious choice. Even if you don’t have a garage to park in, it may be worth it to have your car parked in a covered public space like a parking garage or awning nearby. Never drive in during extreme weather conditions or when visibility is low.
Does my homeowners insurance keep my house protected from hail?
In most cases, your homeowner’s policy will cover weather related damages such as from hail, wind, thunderstorms, etc… In some areas that are more prone to extreme weather conditions, supplemental insurance may be necessary. Learn more about your policy through asking your agent to clear up any confusion you may have.
Does my car insurance keep my vehicle protected from hail?
Each policy may be a little different, so the only sure way to know is to speak with your agent. Generally, liability insurance will provide no coverage for you, while comprehensive insurance pays to replace a stolen vehicle and damage not caused by a collision. Your agent will know how to advise you on what coverages you need.
Handling the aftermath of hail damage
Your property was damaged, and you need financial support from your insurance company. The first step is to have a conversation with your insurance agent before submitting a claim. Doing this ensures that you and your agent are working together to get you the best possible outcome in the situation. They can help you gather essential information as well as direct you towards resources where you can get estimates for the replacement costs of your property. Trust the experts, they have years of experience handling situations like yours as well as a better understanding of what your policy covers.
At Lifetime Insurance Services, we are here to be the experts, so you don’t have to be. We take pride in providing personalized services for clients, where we are just a phone call away. Interested in learning more? Give our agents a call at (972) 771-2622.
Legal Disclaimer
Lifetime Insurance Services assumes no responsibility for the or liability for any errors or omissions or the results obtained from the use of this information. The information provided is not intended to replace or serve as a substitute for any advisory, or other professional advice, consultation or service. All information on this site is provided “as is”, with no guarantee of completeness, accuracy, or timeliness. In no event will Lifetime Insurance Services be liable to you for any decision made or action taken in reliance on the information on this site.