What insurance policies generally do and do not cover

When natural disasters strike, they may cause various forms of damage to homes and apartments. Items inside of a home or apartment may also be damaged or lost in the aftermath of a storm. A standard homeowners or renters insurance policy in the U.S. will likely cover the cost of repairing a home. It will also likely help individuals pay to repair or replace belongings damaged inside of the home, apartment or condo.

Tips for making storm damage insurance claims

The U.S. has been hit by an unusual number of severe thunderstorms this summer. For example, on Aug. 11, a hailstorm tore through Billings, Montana, shattering windows and punching holes in roofs. This sort of damage can cost hundreds or even thousands of dollars to repair, forcing many homeowners to file an insurance claim to recover their losses. Fortunately, there are several things they can do to make the claims process go more smoothly.

Hail Storm Hits South Metro

A vicious storm tore through the south metro early this morning July 18, 2019, with high winds and large hail (1"-2+") in some parts of Burnsville, Prior Lake and Savage. After a storm rolls through, cleanup and repairs begin, and many don't know where to start.

Hail damage losses have increased since 2008

Adjusted for inflation, losses caused by hail damage totaled $19 billion in 2008. In a typical year previously, losses caused by hail damage would have been $8 billion to $12 billion. The trend of increased damage continued for the next decade, but no one is sure what is to blame. However, one possible explanation is that people are moving farther from cities, which means that hail damage can occur in a larger area.

Hail damage on pace to hit all-time high in 2019

According to insurance experts, 2019 is shaping up to be the worst year on record for hail damage in the United States. As of mid-April, there have already been 664 hailstorms reported, which is more than were reported in all of 2018. In addition, April, May and June are typically when most hailstorms occur, so this year's total will almost certainly increase.

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