Hail is one of the leading causes of home damage in the U.S.

Hail can occur any time of the year and range from the size of a pea to the size of a grapefruit.

When hail hits, it causes extensive damage to your home, auto, and any other personal property due to the velocity and size of the hail.

Know what to do before, during and after a hail storm. Select an option below.

Before

• Keep roofs and gutters free of leaves, branches and other debris.
• Inspect your roof, including the valleys and around chimneys. Look for curling shingles or any maintenance needed to ensure you will not have any leaks due to the heavy rains.
• When there are reports of hail, you should find shelter for yourself, your car and other personal belongings that are outdoors.
• Remove animals from harm's way and into shelter.
• Close all doors and secure all windows.

During

• Stay inside. Hail can cause injuries and damage due to its size and speed.
• When inside, keep away from windows and glass doors.
• Do not go outside even if the weather appears to have calmed. To ensure the storm has passed, turn on your TV, radio, smart phone, laptop, tablet, etc. or contact the local authorities.

If you're in your CAR when it begins to hail:

• Drive to the shoulder of the road and park under an overpass. If you have time, park in a garage.
• If there's no time:
  
1. Pull over.
2. Cover your face with clothing to protect against the possibility of injury from broken glass.
3. Wait until the hail stops (Most hail storms last 5 minutes.).
   

After

• Clean up any glass or other debris from the storm to prevent any further injury and/or damage. Wear proper shoes and gloves when cleaning up.
• Protect your property from further damage by using plywood, tarps or other materials to cover broken windows or holes in roofs.
• Make a list of your damaged property and do not dispose of it. Do not throw anything away as your insurance adjustor needs to inspect damaged items.
• Save receipts for any money you spend related to the loss. Your insurance company may need these to settle your claim.
• It's important to contact your NYCM Insurance Agent right away to report any damages to your property. You can also contact us directly at 800-234-6926. Customer Service is available 24/7/365.