Hail Storm in Cuyahoga County – What to Do Next

On April 15, Cuyahoga County experienced a significant hail storm that caused damage to vehicles, homes, and other property across the area. If you were impacted, here are some simple steps to help you move forward.

Auto Claims – Start with Your Carrier
If your vehicle sustained damage and you carry comprehensive coverage, the next step is to report the claim directly with your insurance company.

All carriers provide 24/7 claims reporting through the phone number listed on your insurance ID card. This is typically the fastest and most efficient way to get your claim started.

Many companies also offer online reporting. A quick search such as “Progressive claims reporting” (or your carrier’s name) will usually take you directly to the correct page to submit your claim.

Once reported, the carrier will guide you through inspection and repair options.

Property Damage – Take Initial Protective Steps First
If your home or other structure was affected, start by securing the property to prevent further damage. This may include:

• Covering exposed areas with a tarp
• Clearing debris
• Taking reasonable steps to stop additional water intrusion

These actions are important, as insurance policies expect you to protect the property from further loss.

Next, it’s often helpful to speak with a qualified contractor to determine the cause and scope of the damage. This can provide valuable clarity before deciding how to proceed.

Before Filing a Home Claim
Unlike auto claims, it’s wise to pause before reporting damage to a home or structure.

We recommend reviewing your policy or speaking with your agent to understand:

• How the loss would be settled
• The amount of your deductible (many wind/hail deductibles are higher than expected)
• Whether the damage clearly exceeds that deductible

In some cases, smaller claims may not be beneficial to file when considering deductibles and potential long-term impact.

We’re Here to Help
If you’re unsure how to proceed, we’re happy to talk it through with you. Whether it’s understanding your coverage, reviewing photos, or helping you think through next steps, our goal is to make sure you make the best decision for your situation.

Stay safe, and don’t hesitate to reach out if you need guidance.