Severe Convective Storms: Weathering the Storm Together
Over the past several years, severe convective storms (SCS) have become one of the most significant drivers of property losses across the insurance industry. Hail, straight-line winds, tornadoes, and heavy rain events are occurring with greater frequency and severity, creating challenges for carriers, policyholders, contractors, and agents alike. For many carriers, these events have become a leading source of catastrophe claims and a major contributor to rising property insurance costs.
Impacts to the Industry
- Higher claim severity and claim volume
- Rising repair and construction costs
- Longer contractor wait times
- Increased scrutiny around roof condition and property maintenance
- Greater pressure on underwriting profitability
- Expanded use of higher deductibles and coverage limitations like Actual Cash Value (ACV) roof coverage, cosmetic damage exclusions, and matching exclusions across the marketplace
The Critical Role of Independent Insurance Agents
Encourage Preparedness Conversations
Preparedness conversations position insurance agents as trusted risk advisors. These conversations build trust, reduce misunderstandings during a crisis, and help agents uncover coverage gaps. Be sure to talk to your customers about:
- Roof age and condition
- Deductible structures
- Ordinance or law coverage
- Siding and roof matching considerations
- Water backup coverage
- Personal property documentation and inventories
Supporting Policyholders After Severe Weather
Clear communication is one of the most valuable ways you can support your customers after a catastrophe. It is important to remind your customers to:
- Report claims promptly
- Take photos before making temporary repairs
- Keep receipts for emergency expenses
- Prevent further damage when safe to do so
- Be cautious of unsolicited repair offers
Setting realistic expectations for inspections, repair timelines, and material availability can help reduce frustration after a storm. For an overview of what to expect, share our Claims Process Guide (PDF) with your clients.
Help Your Customers Avoid Contractor Scams
Following major storms, policyholders may be approached by contractors offering free inspections or pressuring them into signing agreements immediately. Our "Do’s and Don’ts of Finding a Contractor" (PDF) guide offers practical tips for avoiding common scams, reviewing contracts before signing, and understanding important contractor regulations following severe weather events.
Looking Ahead
Severe convective storms are likely to remain a major industry challenge for the foreseeable future. While no one can prevent the weather, preparation, education, and strong communication can significantly improve outcomes for policyholders. As our Agency Partners, you remain at the center of that effort by helping customers understand their coverage, navigate the claims process, and make informed decisions during difficult times.
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