Louisiana — A recent study by State Farm revealed the top ten states for the most wind and hail losses from 2012.
Wind and hail storms remain some of the most frequent and severe causes of property damage. As one might expect, Texas led the way some 47,000 hail storm claims.
Louisiana ranked thirteenth highest on the 2012 list with approximately 14,000 claims.
Damage caused by wind and hail cost State Farm and its policyholders more than $3.9 billion in 2012. The states with the most wind/hail losses include:
• Texas—47,000 claims
• Illinois—41,000 claims
• New York—34,000 claims
• Ohio—31,000 claims
• Missouri—25,000 claims
• Tennessee—24,000 claims
• Indiana—23,000 claims
• New Jersey—23,000 claims
• Kentucky—22,000 claims
• Colorado—16,000 claims
• #13 Louisiana—14,000 claims
While hail storms most frequently impact the Great Plains and Midwest, every state in the nation is susceptible. See how your state compares to others when it comes to wind/hail and its most common insurance claims.
Heading Off Hail Damage:
• If weather conditions are prime for hail storms, pull cars, boats, RVs, lawn and patio furniture into a covered area.
• When building or remodeling, consider impact resistant roofing to reduce hail damage to your home. State Farm currently offers insurance premium discounts to homes with qualifying impact-resistant roofing products in 26 states and one Canadian province.
If You Experience Hail Damage:
State Farm spokesman, Gary Stephenson, advises, “People should be careful when hiring a roofing contractor to replace a damaged roof, so that they do not suffer an additional loss due to a poor repair job.”
Stephenson recommends the following tips:
• Don’t rush into a repair before having talked with your insurance agent or claims adjustor first. It is important to understand the process and how covered repairs will be handled. For State Farm, customers who have reported a loss can expect to be contacted by a claim representative who will review their policy and coverages, outline the claim process, and answer questions.
• Know who you hire. That usually means hire locally, not someone from out of state offering a ‘discounted deal’. Its important to hire a reputable roofing contractor. Look for a licensed or bonded roofer and request references. Ask to see certificates of insurance to be sure both liability and workers compensation insurance coverage is carried and in force during the time the roofing work is being done. You can often check with your Better Business Bureau or the National Roofing Contractors Association for assistance in locating a professional contractor in a specific geographic area.
• Never pay up front. You should pay only when the work is satisfactorily completed.
• If anyone visits your home without an appointment and professes to represent your insurer, ask for identification and contact your insurer to confirm before allowing access.