Andrew Peschong, a State Farm agent based in the Des Moines area, says Colorado, Texas and Illinois had the worst hail damage last year, but it shifts around, depending on where the most severe weather strikes.
“In 2017, we had $132-million in hail claims alone with State Farm just in Iowa,” Peschong says. “In 2018, that number went down to $57-million, so while there still was quite a few hail events in Iowa in 2018, it was down from the previous year.”
Last year, Iowa customers reported nearly 6,000 hail claims, with the average homeowner claim topping $13,000 and more than $3,400 for cars. It may not seem like hail storms hit Iowa that frequently, but Peschong notes, they don’t have to last long to do a lot of damage.
While nothing can be done to prevent a hail storm, you can prevent problems associated with them by doing some good tree pruning every year. Also, when building or remodeling, he suggests you consider your roofing carefully.
“If you’re going to get an impact-resistant roof or an impact-resistant shingle, you will pay a little more for it,” Peschong says, “but on the back end, it will really help a lot when you come into a hail storm, preventing that damage.”
He also advises clients to do a home inventory by taking pictures or video and store that inventory digitally. In addition, he says to talk to your agent and ask about your coverage and deductible.