Storm Season Tips:
Protecting your home and vehicles from hail
Summer storm season is upon us and, as your best Red Deer insurance broker, we have put together a list actions that you can take to protect your home from hail damage. We encourage you to chat with your insurance broker to discuss specific strategies for upgrading your home to hail resistance. If you are renovating, replacing your roof or replacing siding, make it a priority to call us first for advice on what grade and product to consider. Various Insurance companies offer policy discounts for upgraded siding and shingles that are rated for higher impact resistance.
The simplest and most common form of risk mitigation for your vehicle during a storm is to park it in a protected structure, such as a garage. If this isn’t possible, the use of car covers or blankets is recommended. Several car cover manufacturers make covers and blankets that are hail resistant.
Use window safety films to protect windows, doors, and skylights.
When re-roofing, install a ice and water shield underlay (preferably self-adhering and waterproof).
Use a roofing product that has Underwriters Laboratories UL2218 Class 4 impact resistance rating. And remember, some insurance companies will offer a discount on your premiums when your home has higher rated shingles.
Consider using cement board (Hardie Board or fiber) in place of aluminum or vinyl siding for your home – especially if you are in a high risk hail zone.
Purchase a home with steeper sloping roofs. Flatter roofs are more susceptible to hail damage.
What are we doing for you?
Insurers are working hard to prevent hail damage. Have you noticed the planes that fly into the clouds when there is a hail or thunderstorm warning? Cloud seeding disperses silver iodide into the developing clouds to change the physical properties of the cloud, which changes the type of precipitation the cloud forms. Seeding doesn’t eliminate hail, but it does reduce the size of hail the cloud creates.
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