Hail, NO! And Other Natural Disasters


hail stormA little event recently reminded us why living in the West is not always a blessing: Nearly two hours of bruising, bouncing hail, combined with heavy rain and flooding. A few tornadoes, as well.

During the long shoveling/mopping up process afterwards, several things came to mind. Hopefully, you may never have to deal with storms like this. But the truth is: probably you will. In that case:

Preventive measures help during the storm. Put some towels at the door, to help keep out moisture. (Washing a few towels is no big deal. Washing furniture, rugs, etc. is.) Draw the curtains, so they can help protect the glass, to some degree. (And keep it from shattering in on you. One girl I knew had a window break all over her, right in a middle of an afternoon nap.) Keep your animals inside; if you’re gone, provide somewhere they can go to get out of the storm. (Doggy doors work wonders.)

Mop and clean up as quickly as you can, after it’s all over. Your floors and furniture will benefit from quick blotting and mopping. (Shop vacs, with their ability to suck up water as well as stuff, are invaluable for this.) Hose down your garden and plants – it will help melt the hail, and minimize damage, especially to hot-weather plants like tomatoes and peppers.

Have homeowner’s insurance. A parade of signs up and down our street are announcing that we’re not the only ones who will need to replace our roof. One neighbor had their family room ceiling cave in…another was hit by a baseball-sized chunk of hail in the windshield. While they were driving. (Thankfully, they’re ok.)

Don’t pooh-pooh renter’s insurance, either, if you rent, instead of own. The hail here came very, very close to shattering our windows. If it had, there would have been no way to protect our possessions from the rain.

Plan on an additional deductible for any hail damage. With our company (Liberty Mutual), it’s an additional $300.(Yet another reminder that an emergency fund, however small, helps a lot.)

Hopefully you do have insurance – and the claim’s been approved. In that case:

Use a contractor whose credentials you’ve checked. Do they have a good reputation? Ask for references.  Do not use them, just because somebody showed up your door, and it’s convenient to hire them. Some of these are fly-by-night scammers, who take a deposit for work…then disappear.

Plan for the future. How did your insurance handle the blow — do you need to beef it up some? What about emergency supplies – did you have enough flashlights, lanterns, snacks, water, etc. if your home lost power? (Cell phones, by the way, make a great emergency light if you’re caught somewhere.)  Replenish your cleanup supplies now, so you’re ready for anything.

And finally – don’t take it personally. These things happen. The plants, at least most of them, will grow again. (You can always replant, too.) Homes can be repaired. Possessions can be replaced. You and your family are ok. And that, honestly, is what really counts.

2 thoughts on “Hail, NO! And Other Natural Disasters”

  1. Wow that sounds like quite the storm! Great tips as well, I know we had areas flood badly earlier this year and many of the homeowners did not have flood insurance and that can be so devastating!

    Curious though, for renters, how much in material possesions would you say would be needed to be worthy of insuring? $5,000 or more? Just curious as I never thought I really had enough to concern myself with renters insurance so I often wondered what amount I should have before renters insurance would be worth it.

  2. Poor to Rich, I used to work for two different insurance agents —and had a property/casualty license myself, for a while. We had renters geting insurance for much less than the $5000 you’re mentioning…prices are quite reasonable if you’re insurance only a thousand or so. That figure generally covers basic furniture plus a stereo and tv.

    Thanks for writing. Our neighborhood is currently filled with the sound of heavy trucks dropping off shingles, and the sound of hammering — pretty much everybody in the neighborhood are having their roofs replaced!

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