Wind, water, and hail are frequent causes of property loss. Knowing what steps to take before severe weather strikes can help you minimize those losses.
Wind
The majority of wind losses occur during periods of heavy storm activity. Consider the following:
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- Protect building openings from windborne projectiles.
- Ensure the roof and exterior coverings are in good condition.
- Reduce the number of loose outdoor items that could strike the building.
- Conduct annual roof and siding inspections and make needed repairs as quickly as possible.
- Remove all dead trees from the property and keep tree limbs cut back to ensure they are not hanging over any building.
Water
Water damage losses can be due to a variety of reasons, including failing HVAC components, sump pump malfunctions, or faulty roof coverings. Consider the following:
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- Inspect plumbing lines and drain systems annually. Correct any noted deficiencies immediately.
- Ensure proper sump pump operation and follow the recommended maintenance procedures. When purchasing the pump, purchase a unit with a battery back-up option and replace batteries every two to three years.
- Ensure the drain pans to the HVAC system drain freely, and the drain lines are free and clear of obstructions.
- Provide ground-mounted HVAC systems with physical protection from vehicle strikes. Secure these units to prevent theft and/or damage.
- Clean gutters and roof drains of foreign debris every six months to ensure no blockage of the water drainage. Consider the installation of “gutter guard” materials to assist in minimizing debris build-up.
- Inspect flashing once a year as part of the roofing inspection.
Hail
Hail losses are usually the result of damage sustained to roof coverings. Damage may also occur to glass, building siding, and vehicles. Consider the following:
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- Perform roof inspections on all buildings to ensure roofs are in good condition. If deficiencies are noted, contact a licensed roofing contractor for repairs.
- Skylights and solar panels should be impact rated and impact resistant.
- Protect roof-mounted equipment by using a hail guard (a specially designed protection system that covers outdoor equipment).
A little preparation ahead of time can help make a difference when severe weather hits.
Sources:
Zywave. Commercial Property Insights. Protecting Commercial Property Against Hail. https://23262225.fs1.hubspotusercontent-na1.net/hubfs/23262225/RM%20-%20Zywave%20Files/Commercial%20Property%20Insights%20-%20Protecting%20Commercial%20Property%20Against%20Hail.pdf. Accessed May 12, 2026.
Zywave. Construction Risk Insights. Preparing Job Sites for Severe Weather. https://23262225.fs1.hubspotusercontent-na1.net/hubfs/23262225/RM%20-%20Zywave%20Files/Construction%20Risk%20Insights%20-%20Preparing%20Job%20Sites%20for%20Severe%20Weather.pdf. Accessed May 12, 2026.
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