HAI Group Blog

Housing Risk Guide: When Hail Hits

Written by Ally Modugno | Marketing Specialist | HAI Group | Jul 1, 2025 6:50:36 PM

Hailstorms can strike fast and hard, causing millions in property damage every year across the United States. While these storms are most common in the Midwest and Great Plains, they can occur nearly anywhere, often with little warning.

For housing organizations, hail can damage roofs, windows, siding, and even landscaping or vehicles parked on-site. And while you can’t prevent hail, you can take proactive steps to limit the damage and speed up recovery.

What you'll learn

  • Where hailstorms occur most often—and when
  • Common property damage caused by hail
  • How to prepare your buildings, roofs, and vehicles before a storm
  • What to do immediately after a hailstorm to document damage
  • Risk mitigation tips to reduce repair costs and downtime


Why this matters

Hail causes approximately $1 billion in damage to U.S. homes, buildings, vehicles, and crops every year. Older roofs, unprotected vehicles, and outdoor equipment are especially vulnerable, and hail often comes with strong winds that can bring down branches, damage siding, and flood outdoor areas.

By preparing ahead of time, inspecting vulnerable areas regularly, and knowing what to do in the aftermath, housing providers can protect their people and property and avoid unnecessary repair costs or insurance delays.

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Be sure to explore the full range of resources we’ve curated on our Resource Center, designed to help you stay informed, prepared, and resilient, ready to handle anything that comes your way confidently.


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This article is for general information only. HAI Group® makes no representation or warranty about the accuracy or applicability of this information for any particular use or circumstance. Your use of this information is at your own discretion and risk. HAI Group® and any author or contributor identified herein assume no responsibility for your use of this information. You should consult with your attorney or subject matter advisor before adopting any risk management strategy or policy. 
HAI Group® is a marketing name used to refer to insurers, a producer, and related service providers affiliated through a common mission, management, and governance. Property-casualty insurance and related services are written or provided by Housing Authority Property Insurance, A Mutual Company; Housing Enterprise Insurance Company, Inc.; Housing Specialty Insurance Company, Inc.; Housing Investment Group, Inc.; and Housing Insurance Services (DBA Housing Insurance Agency Services in NY and MI).