Essential Precautions Homeowners Must Take to Safeguard Against Hail Damage

Prepare Your Home for Hail Season



As hail season approaches, homeowners often find themselves unprepared for the potential destruction caused by hailstorms. Mercury Insurance offers essential tips to help safeguard homes and minimize expensive repairs. With rising costs associated with hail damage across the nation, proactive measures can significantly mitigate risks.

"Many homeowners don’t realize the extent of vulnerability their property faces until a storm strikes," explains Steve Bennett, Senior Director of Climate and Catastrophe Science. The emphasis here is on empowering homeowners with practical knowledge for preemptive action. By preparing in advance, they can save considerable amounts in repairs later.

Key Steps to Protect Your Home


Here are several straightforward strategies to consider:

1. Inspect and Reinforce Your Roof: Regularly check for loose or missing shingles and consider opting for impact-resistant roofing materials, especially if residing in hail-prone regions. The Insurance Institute for Business & Home Safety (IBHS) provides guidance on recommended shingle ratings. Investing in a fortified roof—equipped with durable shingles, enhanced nailing patterns, and sealed decks—can bolster your home's defense against hail attacks.

2. Secure Outdoor Items: Hailstorms often occur alongside high winds. It’s vital to bring outdoors items such as patio furniture, garden tools, and potted plants indoors when hail is forecasted to avoid damage by flying debris.

3. Protect Windows and Skylights: Installing shutters or hail-resistant window films can help minimize the risk of breakages, which can lead to significant interior damage.

4. Maintain Trees: Prune weak branches and keep trees well-maintained to prevent them from falling during storms. Overhanging limbs can cause substantial property damage and pose safety risks.

5. Cover Your Vehicles: If possible, park your vehicles in a garage or under cover during hail events. This small action can prevent costly damage and may also protect your insurance deductible, ensuring you don’t face higher costs later on.

Understanding the Importance of Preparedness


According to data from the National Centers for Environmental Information, hail storms generate billions of dollars in damage each year across the U.S. With 2025 projected as one of the most severe hail seasons, the importance of hail preparedness cannot be overstated.

Homeowners are also encouraged to review their insurance policies before the onset of hail season, ensuring they comprehend their coverage limits and deductibles. Understanding one’s policy can greatly affect financial outcomes in the event of a loss.

For more in-depth information and additional strategies on securing your home from hail damage, check out Mercury Insurance’s blog.

About Mercury Insurance


Based in Los Angeles, Mercury Insurance (NYSE: MCY) has been a trusted name in the insurance industry since 1962. They offer a wide array of insurance products including personal auto, homeowner’s and renters insurance through a diverse network of independent agents across several states. Mercury has built a reputation for delivering competitive rates paired with exceptional customer service, earning high rankings from A.M. Best and notable accolades like the "Best Auto Insurance Company" from respected platforms. To learn more about their services, visit www.MercuryInsurance.com or follow them on social media.

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