Summer weather in Wisconsin—and across much of the U.S.—can bring more than just heat. Thunderstorms, hail, flash floods, high winds, and even tornadoes are more frequent this time of year and can damage property in minutes. As storm risks rise, reviewing your insurance coverage now can save you time, money, and stress later.

Understand the Risks

Each type of summer storm brings its own hazards:

Hail can dent vehicles, shatter windows, and damage roofs.

High winds can knock down trees, power lines, and fences.

Flash floods can sweep away vehicles and inundate basements.

Lightning can spark fires and ruin electronics.

Being prepared means understanding what your current insurance covers—and where there may be gaps.

Auto Insurance: Do You Have Comprehensive Coverage?

Not all auto insurance policies cover storm damage. If you carry only liability coverage, you will be responsible for the full cost of repairs or replacement after a storm.

Comprehensive auto coverage, on the other hand, typically includes protection against hail, flooding, falling debris, and other storm-related damage. It’s also important to choose a deductible that fits your financial situation, so you’re not caught off guard in an emergency.

Homeowners Insurance: Know What’s Included—and What’s Not

Most homeowners insurance policies include coverage for wind and hail damage. However, flooding is usually excluded. If you live in a flood-prone area, a separate flood insurance policy may be necessary to ensure full protection.

Another area to review is your deductible. Some policies have separate, often higher deductibles for wind or hurricane damage. Understanding these details before a storm hits can make a significant difference in your recovery.

Let’s Review Your Coverage Together

At Marshfield Insurance, our team is here to help you understand your current policy and explore options for better protection. Whether it’s reviewing your deductibles or adding flood coverage, a quick conversation today can help you avoid costly surprises tomorrow.

Contact Marshfield Insurance to schedule a review of your auto and home insurance coverage before the next storm strikes.