After natural disasters, it’s not uncommon for homeowners to file an insurance claim to get back on their feet. However, there are a few things you can do to help prevent common home insurance claims.

This week lets talk about wind and hail damage. It is summer, but don’t let the season fool you. As of June 1st, we are officially in Atlantic Hurricane Season which means strong winds and hailstorms are a surprisingly common occurrence in the early summer. Protect your home with a Carolina Homeowners Insurance policy and take a look at these tips for wind and hail safety.

Wind and Hail Storms

Well, there isn’t much you can do to avoid wind and hail except take cover. That is why it is important to prepare.

Anything exposed outside is easily susceptible to damage, but if there’s anything you can secure or store properly, take advantage of that. Bring all items that are easy to move indoors and if something is too big or heavy to move inside, try storing it in a safe and tight fitted space outside.


Wind shutters are a great investment to prevent damage to the inside of your house. These are simple shutters that cover the outside of the window. They can be closed during high winds to prevent your windows from breaking. Another option is impact-resistant windows. However, they do cost more but they last longer and may be more effective.


Check your roof for any damage and corrosion that it may have sustained in the past. If your roof is prone to leaks, delamination and swelling can occur, ruining structural integrity. If this has happened, consult a contractor immediately. It’s usually the shingles that will take the most damage, so consider investing in impact-resistant asphalt shingles.


Use a door that opens outward. Inward opening doors are more prone to failing under the high pressure of strong winds. You may want to reinforce double doors with extra bolts to ensure stability.


Remove any limbs that hang over your house or cars. Look for cracks in tree trunks, mushrooms, or any other fungus. Fungus indicates that there is significant rotting present. Rotting trees are more likely to be weaker and should be cut down.  Also, take note of any large trees rooted in loose soil, as they can be in danger of being blown over entirely and could severely damage your house.

You never know for sure when the next windstorm or hail may come. Stay prepared with homeowners insurance, and stay tuned for our next blog.

About Carolina Property and Casualty:

At Carolina Property and Casualty, we offer home, condo, renters, motorcycle, boat, and auto insurance solutions that can be tailored to meet your specific needs. To learn more about our products, contact us today.

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