Spring and summer in the Midwest don’t just bring warmer temps but also the threat of hailstorms. From May through August, hail damage peaks across Minnesota and surrounding states, and it’s one of the costliest weather-related risks for homeowners, farmers, and business owners alike.
Even small hailstones can cause significant damage to roofs, siding, vehicles, and crops. That’s why reviewing your insurance policies is essential before the storm clouds roll in.
What You Need to Know About Hail Coverage
Standard Homeowners Policies Cover Hail
Most homeowners’ insurance policies include hail coverage, but variations exist in coverage for roof damage, cosmetic damage to siding, and deductibles. Some policies may have separate wind and hail deductibles, often a percentage of your home’s value, in addition to your general policy deductible.
Auto Insurance Requires Comprehensive Coverage
You’ll need comprehensive auto insurance if you want protection from hail damage to your vehicle. Liability-only policies won’t help if a storm dents your car or smashes your windshield.
Farms & Ag Operations Need Specialized Policies
Farmers face unique risks during hail season. Your coverage must align with your operation’s specific needs, from crop hail insurance to policies covering outbuildings, equipment, and livestock shelters.
What You Can Do Today
Review Your Policy: Know your deductibles, exclusions, and actual cash value vs. replacement cost terms.
Talk to Your Agent: Farmers Union Agency advisors are ready to help evaluate your coverage and recommend adjustments based on current risks.
Document Your Property: Take photos or videos of your roof, vehicles, and equipment before a storm hits.
Prepare for Storm Season: Trim overhanging branches, inspect your roof for weak spots, and ensure you have a plan in place to protect vehicles and outdoor assets.
Hail season is unpredictable, but your insurance doesn’t have to be. Connect with your local Farmers Union Agency advisor to protect you from whatever the skies bring. Contact us today to schedule your policy review!