When many people think about major natural catastrophes, they are not likely thinking about hail. However, a very intense, concentrated hail event can cause a disproportionate distribution of losses. Reinsurer Gen Re reported that a single hail event several years ago caused their clients over $1 billion of insured losses in less than 15 minutes.1 While this is an extreme example, it helps to illustrate how damaging the peril can be.
Hail has consistently ranked among the top 10 costliest causes of loss for the PURE membership. Throughout 2018 and 2019, we repaired or replaced more than 1,700 roofs damaged by hail; hailstorm events caused nearly $61 million in damages.
And while the majority of hailstorms happen in the southern and central plains states,where warm moist air from the Gulf of Mexico and cold dry air from Canada collide to produce violent thunderstorms, they have been known to occur in just about every state. The typical hail season runs from mid-April through mid-September, with the majority of severe storms usually occurring in June.
The evolution of the 2015 hail season by month. Yellow to red indicates low to high hail activity as measured by the count of severe hail days.
The combination of gravity and downward wind can propel hailstones at speeds upwards of 90 mph,2 which can lead to significant damage. “We’ve seen instances where large hailstones have penetrated straight through roofs,” said Frank DiGrande, SVP of Property Claims for PURE. “Even moderate hailstorms can shatter windows, leave pockmarks in siding and damage roof coverings to the extent they need to be replaced,” he added.
“Your roof is your first line of defense against hail and other costly natural disasters like hurricanes, tornadoes, wildfires and winter weather,” said Frank. “Once the roof fails, it exposes other parts of your home to damage, so having the right roof is key,” he added.
Over time, exposure to sun and other elements can leave roof coverings brittle and reduce their impact resistance. To keep your roof in top condition, it’s critical that you routinely inspect it, quickly repair any wear and tear and replace it when necessary.
In addition to opting for an impact-resistant roof covering, discuss the following precautions with your builder.
For additional advice on ways to better protect your home from the damaging effects of hail, contact a PURE Member Advocate® at memberadvocate@pureinsurance.com.
Tags: Homeowners | Weather | Water Damage
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