Information for policyholders and agents


For some regions of the country, March denotes the beginning of hail season. While hailstorms typically do not receive the same level of media attention as hurricanes, the property damage inflicted by hail each year in the United States can be equally, if not more, significant. Additionally, trends indicate that hailstorms, like hurricanes, are becoming more frequent.

An underrecognized risk

Hailstorms are categorized under convective storms, which also include tornadoes. This category of storms has demonstrated overall higher losses within the United States over the last decade when compared with the previous decade, as calculated by Munich RE. Hailstorms alone cost $22 billion in damages within the U.S. in 2017, the worst year for hail on record thus far.

When and where hailstorms occur

The highest concentrations of hailstorms typically occur in midwestern states, including Texas. The Lone Star State has experienced 29 $1 million hailstorms in the last 25 years. However, hail can occur when and wherever thunderstorms typically occur. As described by the National Severe Storms Laboratory (NSSL), hailstones are formed when raindrops are carried into upper sections of the atmosphere by thunderstorm drafts, where they subsequently freeze. For example, Georgia’s peak thunderstorm season, which begins in March, can produce hail that is typically one-to-two inches in diameter.

Recovering from hail-related damage

The most important step property owners can take to mitigate hail-associated loss is to secure a policy with a trusted commercial insurer.

In the event a hailstorm causes damage to your commercial property, take these important steps:

In the event a hailstorm causes damage to your commercial property, take these important steps:

— Contact your insurance agent to submit a claim.

— Document any damage, including photos or videos.

— Make temporary repairs to prevent further loss. This may include using tarps or plywood to cover broken windows or holes in roofs, or drying wet items to prevent contamination.

— Delay making permanent repairs until the damage has been assessed by a claims adjuster.