Here at Rocky Mountain Dent Service, we numerous vehicles that come in with hail damage, everything from minor dents and dings to broken windows and torn up interiors from shattered glass. Let’s take a look at some Colorado hail statistics, and we’ll also give you some tips for protecting yourself and your property from this inconvenient damage.
Living in Colorado means rain and intense hail storms are inevitable and, unfortunately, they can cause quite a bit of damage. Since 1984, Colorado has seen ten hailstorms that resulted in several hundred million dollars of damage. In the last ten years alone, the costs add up to more than $3 billion.
On average, Colorado receives about 3 or 4 “catastrophic” (defined as causing at least $25 million in insured damages) each year. Most of that damage occurs within the Denver metro area, which makes sense as it is more densely populated and there is more property to damage.
Of course, it’s a no-brainer that if you live in this area, you should make sure to include hail coverage in your homeowner’s insurance. While most policies include it automatically, but always check to be sure. Also, it’s a smart idea to always maintain comprehensive coverage on any vehicles that you own, even if it’s paid off and you can switch to state minimums. Comprehensive coverage is the type of car insurance that will cover hailstorms.
While you should never go out in a storm and risk injuring yourself to save your property, you also don’t have to sit idly by and watch the damages pile up. A lot of entirely preventable damage occurs after the hail stops falling.
Once it is safe, go out and assess the damage in your yard. If your plants and bushes are missing a lot of leaves or branches and you see that patio covers, screens, and other materials are dented, then there is a good chance that your roof is damaged. If possible, take a look and cover any holes or broken windows to minimize water damage from rain. Also, check to see if the hail has broken any of your car windows. Cover them up and carefully clean out the broken glass to avoid damaging your vehicle’s interior.
Also, talk with your insurance company right away. Snapping a few pictures of the damage before you clean anything up is a good idea. Save receipts for what you spend on repairs so that you can show them to your insurance company for reimbursement.
Make sure you always choose reputable companies like Rocky Mountain Dent Service when having your property repaired. It’s not uncommon for out-of-town scammers to come in after big storms, take your money, and skip town leaving your repairs half-done. Scamming is common with dent repair and roofing companies, so be on the lookout.
Chances are that if you’ve lived in Colorado for any period of time you’ve already experienced one or more of our infamous hailstorms. Every year, from about mid-April to mid-August, we’ve got to be on alert to keep ourselves and our property safe when they hit. Hailstorms are just a part of life here in Colorado, but by taking the appropriate steps, you can minimize the negative impact they can have.