Picture of hail for blog on hail damage insuranceHere’s a shocking statistic: hailstorms caused more than $13 billion in property damage across the United States in 2019. With more than 5,000 hailstorms in the country each year, they’re a common occurrence. Do you need hail damage insurance? Are you already covered? Below, we explain everything you need to know.

Home and Auto Coverage

Hail damage is one of the most frequent claims on homeowners insurance and generally falls under the category of dwelling protection coverage. Fortunately, this is usually covered on basic homeowners policies and can help you pay for the repairs and rebuilding of damaged physical structures. Chances are you’re already covered, but our experts can help you be sure.

As for auto coverage, Massachusetts requires you to have four different types: bodily injury to others, personal injury protection, bodily injury caused by an uninsured vehicle and damage to someone else’s property.

You can add to these four basic areas with collision coverage and comprehensive coverage. Comprehensive coverage makes sure you’re protected from theft or damage unrelated to a collision (such as hail).

Not Just a Winter Problem

You may think that you’re in the clear because the winter just came to an end, but you’d be wrong. Don’t let the warmer weather prevent you from thinking about necessary coverage—summertime hailstorms are not an uncommon phenomenon. Just a few years ago, golf ball-sized hail smashed into Boston in early August; it’s better to get the coverage ahead of time than to look back and wish you had it.

As a local Western Massachusetts agency, our insurance experts are your neighbors who understand the risks you’re facing—including hail damage. We’ll be sure to work alongside you, so you understand every aspect of your coverage. We know every client is different; contact us today to create an individual plan tailored to you.