Skip to main content

Hail Preparation

How to prepare for a hailstorm and help protect your home and car from hail damage

Key Takeaways

  • To prepare for a hailstorm: if possible check for curling shingles and leaks, trim tree branches away from roof, remove debris from roof/gutters/downspouts, and park vehicles in a garage or under sturdy cover.
  • During a hailstorm: Close windows, blinds and drapes; stay away from skylights, glass doors and windows; if driving, turn on headlights (low beams), slow down, allow extra braking distance, and seek sturdy shelter if possible.
  • After a hailstorm: Check your home and car for dents, cracked glass, damaged shingles and torn screens; document damage with photos; carefully remove loose glass and cover damaged areas to prevent water damage.
  • Auto hail damage is typically covered under comprehensive coverage; homeowners hail damage coverage depends on policy terms and the cause of loss.

Hail can damage roofs, siding, windows and vehicles in minutes. Knowing how to prepare for a hailstorm helps reduce damage and makes cleanup easier. This guide covers prevention steps, what to do during the storm and what to do after a hailstorm if you need to inspect damage or contact your insurer.

Quick takeaway: If severe weather is in the forecast, move your car under cover, stay away from windows and document any visible damage once conditions are safe. You may ask yourself does insurance cover hail damage? The answer depends on the type of policy and what was damaged.

How to prepare for a hail storm

  • Check for curling shingles and small leaks that could lead to larger problems during hail season.
  • Trim tree branches so they don’t rub on the roof or break onto your home during a storm.
  • Remove debris from your roof, gutters and downspouts so water can drain properly after a storm.
  • Repair or replace your roof to make it stronger and more weather-resistant.

If you already see signs of wear, 10 important signs you may need a new roof and does home insurance cover roof replacement?.

If you’re indoors during a hailstorm

  • Park your car in a garage or under a sturdy covered area if you can do so safely.
  • Close windows, blinds and drapes to help reduce the risk of broken glass flying inside.
  • Stay indoors, away from skylights, glass doors and windows.

If you’re driving during a hailstorm

  • Turn on your headlights using low beams and slow down.
  • Allow extra distance for braking and avoid sudden stops.
  • If possible, pull into a garage, gas station canopy or other sturdy shelter to help prevent car damage from hail.

Here's a quick overview of what to do before, during and after a hailstorm:

SituationWhat to doWhy it matters
Hail forecast before the stormMove vehicles under cover and secure outdoor itemsMay help prevent car damage and reduce projectiles
Indoors during hailStay away from windows, skylights and glass doorsHelps reduce injury risk from broken glass
Driving in hailSlow down and seek sturdy shelter if possibleMay reduce crash risk and exterior vehicle damage
After the stormInspect and photograph damage when it’s safeHelps support repairs and any insurance claim

After a hailstorm

  • Check your home and car for visible hail damage, including dents, cracked glass, damaged shingles and torn screens.
  • If you find glass damage in your house or car, carefully remove any loose glass from the interior and cover the damaged area to help prevent further water damage.
  • Keep in mind that hail can be a warning sign for tornadoes. If the sky is getting dark and you start to hear a loud roar, take shelter in case a tornado is on its way.
  • Take photos of damage before making temporary repairs or cleanup.

If you need claims guidance after the storm, see how to file a home insurance claim and what to do if your car breaks down for related safety planning.

Does car insurance cover hail damage? Does insurance cover hail damage to your home? Auto hail damage is often associated with comprehensive coverage, while home hail damage may depend on your homeowners policy and the type of loss. Review your policy details to understand what protection you have.

Does insurance cover hail damage?

Auto hail damage is often covered if you carry comprehensive coverage. Homeowners insurance may also cover hail damage to your home, depending on your policy terms and conditions. Reviewing your policy before storm season can help you understand what coverage is available if hail causes damage.

Get an insurance quote today

or call 800-242-6422

FAQs about hail preparation

It may, if you carry comprehensive coverage on your auto policy. Review your policy to confirm what hail-related damage is covered.

Homeowners insurance may help cover hail damage to your home, depending on the cause of loss and your policy terms, limits and deductible.

Move vehicles under cover, close windows and drapes, stay indoors, and inspect for damage once the storm passes and it’s safe.

Check your roof, siding, windows and vehicle for damage, take photos if it’s safe and contact your insurer if repairs may be needed.

The best option is to park in a garage or under a sturdy shelter before the storm starts. If that’s not possible, monitor forecasts so you can move your vehicle early.

Also of Interest

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

This inclusion of non-Amica companies, products, services or statement herein (“Third-Party Content”) is for general informational purposes only and does not constitute a recommendation or endorsement by Amica Insurance. Policies, views, opinions or positions of Third-Party Content expressed herein are those of the authors and do not necessarily reflect the policies, views, opinions or positions of Amica Insurance. Amica Insurance makes no warranties, expressed or implied, as to the accuracy and reliability of Third-Party Content.

This content may contain helpful tips, explanation and advice. Your use of this information is voluntary and may not be effective in every circumstance. Amica encourages you to use good judgment and put safety first.

For more information on our editorial process and content standards, take a look at our editorial guidelines.

AMIC-14-070228

Getting your quote has never been easier.

Let’s see what’s available in your area.

or call 800-242-6422