While the states that make up “hail alley”—Nebraska, Colorado, Missouri, Kansas, Oklahoma and Texas—typically experience the highest frequency of hail, nearly every region of the United States is vulnerable to costly hail events. In 2025 alone, the U.S. recorded five separate hail disasters, each causing over $1 billion in losses.² For ministries, these storms can create unexpected operational, financial, and safety challenges.
Immediately After a Hailstorm
Following a spring storm, it’s common for ministry leaders or property stewards to step outside and notice small patches of ice pellets scattered across walkways, parking lots, or lawns. The sound of hail hitting roofs, windows, and siding can be alarming, but the presence of hail does not automatically mean damage has occurred.
Once conditions are safe, conduct a careful walk‑around inspection of your ministry property. Look for visible issues on:
• Siding and exterior walls
• Gutters and downspouts
• Windows, skylights, and frames
• HVAC units and rooftop equipment
• Roof surfaces visible from the ground
Document any visible damage with clear, detailed photos. If you identify damage—or even suspect it—contact your insurance agent or carrier promptly to begin the claims process.
Reducing the Risk of Hail Damage
Ministries in hail‑prone states such as Texas, Oklahoma, Kansas, Colorado, Nebraska, and Missouri often ask what can be done to reduce the likelihood or severity of hail damage. At Republic Insurance Group, LLC, our advisors frequently discuss roofing upgrades, but there are several additional strategies worth considering:
Review Your Hail Deductible
Many policies include a percentage‑based wind and hail deductible, which can significantly increase out‑of‑pocket costs after a major storm. Speak with your agent about options such as a Wind/Hail Deductible Buyback policy. This additional coverage can help protect ministry budgets and preserve funds for mission‑driven work.
Explore Impact‑Resistant Roofing Materials
Ministries can choose from several durable roofing options, including:
• Commercial metal roofs (e.g., standing seam panels)
• Impact‑resistant shingles
Roof coverings are rated Class 1–4, with Class 4 offering the highest impact resistance.
Protect HVAC Systems
Rooftop HVAC units are especially vulnerable. Damage to coils, fins, towers, and vents can cost thousands—and downtime can disrupt ministry operations. Installing protective screens or hail‑guard netting³ (factory‑installed or retrofitted) can significantly reduce damage without affecting system performance.
Inspect Steeples Carefully
The base of a steeple—where it meets the roof—is a common point of water intrusion after hail. During routine or post‑storm inspections, pay special attention to this area. Steeples integrated into the roof structure typically present lower risk, but still warrant inspection.
Consider Impact‑Resistant Glass
Impact‑resistant windows and skylights are designed to withstand shattering forces. In some regions, these materials are already required by building codes.
Protect Ministry Vehicles
Monitor weather alerts closely. When hail is forecasted:
• Move ministry vehicles into covered structures when possible
• If no shelter is available, use heavy blankets or protective covers
Prioritize Safety
Hail often precedes more severe weather such as heavy rain, lightning, or tornadoes. Bring people and animals indoors immediately and stay away from windows and skylights. Avoid sheltering under trees unless absolutely necessary. If driving, seek covered shelter and remain in the vehicle until conditions improve.
Consider FORTIFIED Roofing Standards
The FORTIFIED Roof™ method provides enhanced protection against severe weather and may reduce long‑term maintenance and repair costs.
Choosing the Right Roofing Partner
We encourage ministries to consult their insurance agent for referrals to reputable roofing contractors. Ask prospective companies for references—ideally from other ministries—and speak with peer organizations in your area about their experiences with hail‑damage repairs.
A Normal but Unpredictable Hazard
Hail is a normal weather occurrence, but its behavior can be highly localized and unpredictable. A storm may strike a major Texas city, yet only a few neighborhoods experience hail. Because hail size, intensity, and distribution vary widely, the best approach is preparation, awareness, and prompt action when storms occur.
When hail happens, know that we are here to serve and support your ministry every step of the way.
¹ “Severe Weather 101: Hail Basics.” National Severe Storms Laboratory. Accessed 26 February 2026.
² “2025 in Review: U.S. Billion-Dollar Disasters.” Climate Central, 8 January 2026.
³ “Home Upgrades to Further Protect Against Severe Storms.” Insurance Institute for Business & Home Safety®. Accessed 26 February 2026.
Disclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.