May 31, 2024 – Hail pummeled areas of Aurora, Commerce City, and northeast corridor neighborhoods last night with the National Weather Service reporting nearly three-inch diameter hail in some hardest hit pockets amid more severe storms in the forecast for Friday afternoon--after a week that included tornado warnings in Adams County and widespread flooding in Greeley.

"Mother Nature is just warming up her pitching arm as Coloradans brace themselves for severe weather season," says Carole Walker, Executive Director of the Rocky Mountain Insurance Association. "The best way to prepare financially for potential hail, tornado and flood damage during the peak Spring and Summer months is to do an insurance check-up on your coverage, policy limits and deductibles." 

If you are waking up to damage from this week’s storms start the day by contacting your insurance agent or company representative immediately to report damage resulting from the storm. 

RMIA recommends documenting damage to provide to your insurance carriers and do temporary repairs to prevent further storm damage. Hold on to repair receipts as they are likely reimbursable if you file a claim.  

How to file an auto claim: 

Hail, wind, fire, or flood damage to vehicles is covered if you carry comprehensive insurance on your auto policy. 

How to file a property claim:  

Homeowners insurance covers damage from hail, fire and wind. Property damage resulting from rising water is covered by a separate flood insurance policy. 

Selecting a Reputable Contractor & Avoiding Roofing Scams:

Every big storm brings with it unscrupulous contractors who often go door-to-door attempting to get victims to let them repair their roofs or other hail damage. These fraudsters will often make false promises, insist on full payment upfront before work is completed, and sometimes even create damage where none occurred. Coordinate with your insurance company in hiring a contractor to make sure you understand your settlement amount and are working with a reputable company.

Download RMIA & National Insurance Crime Bureau Hail Fraud Guide 

For more consumer information on insurance topics, logon to www.rmiia.org.

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