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GardenSMART :: Tips For Limiting Hail Damage

Tips For Limiting Hail Damage

By American Family Insurance
Photographs courtesy of American Family Insurance

With any thunderstorm comes the chance of hail damage. Though it’s not always preventable – you can’t move your house after all – there are certain steps you can take to lessen the damage, both to your property and to yourself.

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It starts at the top

Any strong thunderstorm has the capability to produce hail. The proper roofing type can help save you the mess of potential damage elsewhere around your house. Hail can shred roof coverings and present the opportunity for water to damage your ceilings, walls, floors, appliances and other personal possessions.

Know your limits

Don’t try to be the hero when it comes to laying your roof or making adjustments. Unless you have prior experience in replacing roof coverings, hire a professional contractor.

Understand your roof covering

If you notice your shingles are old and worn out, it’s a good idea to make sure the replacement roofing materials receive a Class 3 or 4 rating under Underwriters Laboratories (UL) 2218 standard. That rating tells you the product didn’t crack when struck multiple times by a two-inch steel ball. Certain Class 3 and 4 roofing materials may also be eligible for a discount from your homeowners insurance company.

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Stay inside

If you’re indoors during a hailstorm, stay there. Don’t get caught up in watching from your window, either. Hail has the ability to shatter windows. It would be wise to close drapes, blinds or window shades to prevent wind from blowing broken glass inside if a window was broken. Also stay away from skylights and doors.

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