Nebraska, known for its picturesque landscapes and vast farmlands, often experiences severe weather conditions, including hail storms. These storms can cause significant damage to property, leaving homeowners uncertain about the next steps. This article provides a comprehensive guide on understanding hail damage and what to do after a hail storm hits.
The Impact of Hail Damage
Hail damage can vary from minor dents and cracks to severe structural damage. The extent of damage largely depends on the size of the hailstones, wind speed, and the duration of the storm. Common areas affected include:
- Roofing: Shingles can be cracked or punctured, leading to potential leaks.
- Siding: Hail can cause chips, cracks, and holes in the siding.
- Windows and Skylights: Glass can be shattered or cracked.
- Vehicles: Dents, broken windows, and damaged paintwork are common.
- Landscaping: Plants, trees, and outdoor furniture can be significantly damaged.
Steps to Take After a Hail Storm
- Ensure Safety First
After a hail storm, the primary concern should be safety. Check for any immediate hazards such as broken glass, exposed electrical wires, or structural damage. Ensure that all family members and pets are safe and uninjured. - Assess and Document the Damage
Once it is safe, conduct a thorough inspection of your property. Document all visible damage with photographs and videos. This documentation will be crucial when filing an insurance claim. Pay special attention to:
- Roof: Look for missing shingles, dents, and cracks.
- Siding: Check for holes, chips, and cracks.
- Windows and Skylights: Inspect for any cracks or broken glass.
- Vehicles: Note any dents, broken windows, or other damage.
- Landscaping: Document any damage to plants, trees, and outdoor items.
- Temporary Repairs
To prevent further damage, make temporary repairs if possible. For instance, cover broken windows with plastic or tarps to keep out rain and debris. Avoid making permanent repairs until an insurance adjuster has inspected the damage. - Contact Your Insurance Company
Notify your insurance company about the damage as soon as possible. Provide them with the documentation and details of the damage. An adjuster will be sent to assess the extent of the damage and determine the amount covered by your policy. - Get Professional Inspections
Hire professional inspectors to assess the damage thoroughly. Roofing contractors, siding specialists, and auto repair experts can provide detailed reports that may support your insurance claim. - Obtain Repair Estimates
Once the inspections are complete, obtain estimates from reputable contractors for the necessary repairs. Ensure that the contractors are licensed and insured. Compare the estimates to your insurance company’s assessment to ensure you are getting a fair settlement. - Stay Informed About Your Claim
Stay in regular contact with your insurance company to track the progress of your claim. Keep records of all communications, including emails and phone calls. Ensure you understand your policy and the coverage limits. - Complete Repairs
Once your claim is approved, schedule the repairs as soon as possible. Monitor the work to ensure it meets the agreed standards and specifications. Address any discrepancies with the contractor immediately.
Preventive Measures for Future Hail Storms
While you cannot prevent hail storms, you can take steps to minimize future damage:
- Install Impact-Resistant Roofing: Consider upgrading to impact-resistant shingles that can withstand hail better.
- Use Storm Shutters: Protect windows and skylights with storm shutters or impact-resistant glass.
- Maintain Your Property: Regular maintenance of your roof, siding, and other structures can help mitigate damage.
- Secure Outdoor Items: Store outdoor furniture and equipment indoors or secure them to prevent damage during storms.
Conclusion
Hail storms are a common and sometimes severe occurrence in Nebraska. Understanding how to assess and address hail damage promptly can save you time, money, and stress. By following these steps, you can ensure a smoother recovery process and better protect your property in the future. Remember, safety and thorough documentation are paramount in managing hail damage effectively.