Property insurance premiums are going up for everyone.    Most of the increase is coming from the windstorm component of your premium.   In the windstorm component,  hail damage is included.   Texas has experienced the highest number of hail claims than any other state historically and currently.   Hail damage can result in a total replacement of a roof and the average roof replacement can run 13,000 for a 2500 square foot home.   Of course more for a larger home.   Texas had almost 800 hail storms in 2012.   Again no surprise why property insurance premiums are going up.    

Insurance claims resulting from hail storm damage increased 84 percent in 2012 from their 2010 level, according to the National Insurance Crime Bureau.

In 2010, there were 467,602 hail damage claims filed. That number increased to 689,267 in 2011 and to 861,597 in 2012—an overall increase of 84 percent from 2010 to 2012.

The nation has experienced severe storms (wind, tornado, hail) that are occurring with more intensity and affecting more areas of the country.

The property damage can be as minimal as a few broken shingles to total destruction of buildings. The report focuses just on insurance claims resulting from hail damage.

Over two million hail damage claims were processed from January 1, 2010 to December 31, 2012. During this period, the top five states generating hail damage claims were Texas (320,823), Missouri (138,857), Kansas (126,490), Colorado (118,118) and Oklahoma (114,168).

The claims activity follows the hail storm activity as posted on the National Weather Service’s Storm Prediction Center. In 2010, 2011 and 2012, Texas was the state with the most hail storm events with 557, 741 and 795, respectively.

The NICB is using the report to educate homeowners about possible contractor fraud following a hail storm.