Q&A with John Wiscaver
New roofing materials can be used to prevent hail damage
Q: How prevalent is hail in Oklahoma?
A: According to data from the National Oceanic and Atmospheric Administration, there were 608 hail events in Oklahoma in 2013. That’s a 15 percent increase from 2012. The National Insurance Crime Bureau puts Oklahoma in the top five states that generate the most hail damage claims.
Q: How can Oklahomans ensure they’re properly covered for any hail damage?
A: Homeowners and automobile insurance generally provides coverage for property damage caused by hail. However, some exceptions exist. For example, if you only have personal liability and property damage (PLPD) on your car insurance policy, you will not be covered for a hail damage claim. Comprehensive coverage will cover hail damage, but be sure it’s purchased before damage occurs to the vehicle. If a severe weather storm damages your home or vehicle, it’s also advisable to protect your property as soon as is safe against further damage and theft. Use plywood, tarps or other materials to cover broken windows and damaged rooftops. Keep the receipts of any materials and services that you buy to make these repairs and give them to your adjuster so they can review and reimburse expenses covered by your policy. Also, take a photo or video of the damage for reference later.
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