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Maintaining a home

How to protect your home against hailstorms.

16 May 2019

In December 2018, New South Wales experienced its worst hail downpour in two decades.

The Insurance Council of Australia described the event as a catastrophe, as golf-ball sized hailstones plummeted down on Sydney and other parts of NSW, causing approximately $675 million worth of damage. As of early January 2019, over 80,000 claims had been made – including 17,000 claims for household damage[1].

But the forecast isn’t all doom and destruction! In addition to learning how to protect your vehicle from hail damage, there are a few preventative measures you can take to help protect your home.

1. Install hail covers for skylights

Skylights are a great way of bringing more natural light into your home, but they can be vulnerable to severe hail. Consider using a skylight safety screen to prevent damage from hail. Look for materials that offer good optical clarity as well as impact resistance.

2. Cover your garden

If you have a green thumb, you know the dread of a springtime hailstorm, when your plants are just sprouting. If you’re worried they won’t weather the hailstorm, use netting (or objects like baskets, tarps or pots) to protect them. You can also add extra soil to your plants to help them stay standing.

3. Safeguard windows and doors

Like skylights, protecting your windows and glass doors with a secure screen could prevent them from hail damage. As an added bonus, they’ll also help to secure your home from theft!

4. Shut your curtains

Closing your windows is a natural reaction when it starts raining, but closing your curtains can protect your home, and those inside, if hail smashes a window. It’ll also prevent glass from spreading inside your home, making the clean-up a lot easier.

5. Protect solar panels

Solar panels are designed to withstand small hailstones. However, hail can sometimes be larger than golf balls, so even very durable panels can be susceptible to damage. If you’re thinking about having solar panels installed, it’s a good idea to speak to an expert about which types will have the best chances of survival when rough weather hits.

6. Place loose items inside

If a hailstorm is forecast, your first thought might be to move valuable things like your car out of harm’s way. Which is, of course, very important! But any large objects that could be picked up by wind present a danger to your home, the objects themselves, and other breakable items. An outdoor umbrella or gazebo can easily be picked up and hurled into a window.

Move anything that could be damaged by hail into a shed or garage – you don’t want to find your solar powered garden lights smashed to pieces, or your favorite garden gnome without his hat!

7. Check your roof for any weak spots

Have your roof checked for any damage or missing tiles. If you pop your head up through the ceiling and there’s light shining through in spots, that could be a sign of damage. A roof in good repair has a better chance of withstanding a hailstorm than a damaged one. 

8. Trim overhanging branches and clean gutters and downpipes

This is something you should do regularly, even outside of hail season. This will prevent drains from clogging, which can lead to flooding when heavy rain accompanies hail.

Keep an emergency kit accessible

If your power goes out, you need to leave your home, or another emergency occurs, an accessible emergency kit could be essential. Make sure to keep it in a waterproof case and fill it with everything you might need - including torches with spare batteries, a first aid kit, medications, and spare clothing.

Get a Home and Content Insurance quote

9. Be covered

You can make every preparation, but there’s no way to predict the damage a hailstorm could cause. Checking that your home insurance policy is up-to-date and you have a sufficient level of cover might be the most important step to prepare for a hailstorm. Don’t spend the next storm with your fingers crossed – get a house insurance quote today.

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Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Consider the Product Disclosure Statement before making a decision about this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. The information is intended to be of a general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it – please make your own enquiries. [1] ‘Damage bill from December hail storm ‘catastrophe’ nears $675 million,’ The Sydney Morning Herald, Peter Hannam, Jan. 7, 2019