In 2024, severe hailstorms led to significant property damage across the United States, resulting in State Farm disbursing over $3.8 billion for home repairs and more than $1.2 billion for auto repairs. As homeowners prepare for the upcoming spring and hailstorm season, State Farm emphasizes the importance of taking preventative measures to reduce potential damage.
The top ten states with the highest hail claims costs in 2024 were Texas ($1.1 billion), Illinois ($638 million), Missouri ($580 million), Colorado ($521 million), Nebraska ($342 million), Oklahoma ($338 million), Kansas ($170 million), Minnesota ($124 million), Iowa ($109 million), and South Carolina ($109 million).
State Farm spokesperson Keiana Holleman highlighted the need for preparation: “Every spring storm season brings its own unique challenges, so it’s important to prepare ahead for what this season will bring.” Holleman advised policyholders to understand their coverage and contact their State Farm agent as a first step.
To help homeowners prepare, State Farm suggests creating a home inventory by documenting belongings through photos or videos. This can simplify the claims process after a storm.
Before a storm hits, executing an emergency plan is crucial. Homeowners should create a survival kit containing essentials like batteries, flashlights, water, non-perishable food, chargers, and first aid supplies. Additionally, pets should be brought indoors and outdoor items secured.
After a storm passes, it's important to safely assess any damage before filing claims. Documentation of roof or vehicle damage can support insurance claims. Customers can file claims through various methods including contacting local agents or using State Farm's online services.
Homeowners are also cautioned against scams targeting those needing repairs post-storms. Researching contractors' credentials is recommended before hiring them for repair work.
For those in hail-prone areas, upgrading to impact-resistant roofing may reduce future damage and save costs over time. Information on such upgrades is available through Simple Insights or by contacting local agents.
By implementing these strategies, homeowners can better protect their properties from hail damage and facilitate recovery efforts.