From Whirlwinds to Windfalls: Unraveling the Mysteries of Wind and Hail Insurance Claims

     Due to the strong storms that rolled through the Tulsa area, this week we'll be focusing specifically on wind and hail claims caused by storms. After reading this blog post you will hopefully have a much better understanding the intricacies of insurance coverage when it comes to wind/hail storms. We will discuss common damages caused by wind and/or hail, explore the claims process, and offer helpful tips for homeowners and auto owners.

1. Wind and Hail Coverage:
 - Wind and hail coverage is a specific component of home insurance policies. It protects against damages caused by storms, tornadoes, hurricanes, and severe weather conditions. This coverage is vital, especially if you live in an area prone to these weather events.

2. Common Wind and Hail Damages:
 - Wind and hail can cause significant damage to both homes and vehicles. Common damages include roof damage, broken windows, exterior property damage, dents, cracked windshields, and body damage to vehicles. These damages can be very expensive to repair without proper insurance coverage.

3. Mitigating Further Damage:
 - After a wind/hail event, it's important to mitigate further damage to your property and vehicles. Cover broken windows and damaged roofs with tarps or plywood to prevent water intrusion. For vehicles, move them to a sheltered area or cover them to protect against additional hail damage until repairs can be made.

4. Deductibles and Coverage Limits:
 - Insurance policies generally include deductibles, which are the amounts you must pay out of pocket before the insurance coverage kicks in. Familiarize yourself with your deductible and coverage limits, as they may vary based on your policy. Understanding these details helps you prepare financially when filing a claim. Understanding your deductibles will also help determine if filing a claim is in your best interest. 

5. Filing a Wind/Hail Claim:
 - To file a wind/hail claim, contact your insurance company as soon as possible after the storm. Provide them with all relevant details, such as the date of the storm and a description of the damages. Take photographs of the damage and keep records of any related expenses, such as temporary repairs. You may need to call a professional to come and assess the damages to give you a rough estimate before officially filing your claim. 

6. Assessing the Damage:
 - Depending on damages, you will most likely need to hire a professional contractor or adjuster to assess the extent of the wind/hail damage. They will provide a detailed inspection report that documents the damages and their estimated cost of repair. This report is crucial evidence to support your claim.

7. Claim Settlement Process:
 - Insurance companies evaluate wind/hail claims based on the inspection report and policy details. They determine the amount they will pay for the damages, taking factors such as depreciation and policy exclusions into account. The claims settlement process can take time, but be patient and provide any additional information requested by your insurer.

8. Premiums and Policy Renewal:
 - Filing wind/hail claims could impact your insurance premiums. Insurance companies consider your claims history when determining future premiums. Additionally, depending on the frequency and severity of claims, they may review and potentially modify your policy during the renewal process. So it is highly recommended to make sure filing a claim is in your best interest. 

​    In conclusion, understanding home and auto insurance coverage for wind and hail claims is crucial for homeowners and vehicle owners. Storms can cause significant damage, and having the right insurance coverage can help mitigate financial burdens. Remember to familiarize yourself with your policy's wind and hail coverage, assess damages promptly, document the evidence, and file claims in a timely manner.

   By taking proactive measures and being knowledgeable about the claims process, you can navigate through storm-related challenges with confidence. Stay protected, stay informed, and ensure your home and vehicles are safeguarded against the unpredictable forces of nature.