What to know: Wind & hail claims

ST. LOUIS COUNTY – Monday's storms left damage from hail, wind and lightning.

Police believe lightning struck in the parking lot of Kirkwood High School. It made a hole in the asphalt parking lot. An officer nearby who witnessed it says lightning also hit a car parked nearby, flattening three tires and blowing away the side mirror.

But hail is what may have caused the most damage in the metro. At the Dave Sinclair Ford and Lincoln lots in south St. Louis County, at least 600 cars were damaged by the hail that was golf sized or better. It came in during the early evening bad weather.

There's no doubt houses sustained damage as well.

J.D. Powers is a risk management advisor for Powers Insurance and Benefits in Clayton. The company is a broker for more than 40 insurance companies. He says about half of them are raising hail and wind deductibles, either a flat deductible of about $2,500 separate from the standard deductible or putting a percentage anywhere from half a percent to two percent of your home's value.

So, for example, two percent of a $150,000 home would be a $3,000 wind/hail deductible.

"Basically, the insurance industry has lost a lot of money in the Midwest due to weather patterns so they found two ways to kind of mitigate unprofitability of that line of coverage, one is increasing the wind/hail deductible. The other is requiring there be a supporting auto policy," said Powers.

Powers recommends getting an estimate from a roofer or contractor before filing a claim. It may not be worth filing a claim if your deductible is high and the repairs are not that much more.


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