Consider resistant building materials

 

Consider retrofitting with hail-resistant building materials.

Large hailstorms are infrequent, but can be devastating. Hail is a peril that threatens most of Queensland, but doesn't strike all areas equally. Check the Bureau of Meteorology website for historical data about hail storms in your area.

Hail forms when rain droplets suspend in the updraught of a thunderstorm and freeze. Hail stones larger than cricket balls have been recorded in Australia. Check the Be Aware section of this website for historical data about hail storms in your area. If there is a history of damaging hail in your region within the last decade, consider what actions you might take to improve the durability and resilience of your property.

While last-minute preparation of your property is valuable, understanding the risks and ensuring that your property is both constructed to resist hail and is well maintained will often be the best way to help protect the value of your property.

The roof of your property is the most critical component because it protects you and your assets from extreme weather and the elements, so compromising on durability, strength and resilience is not an option. While Australian building codes do not require construction using hail-resistant materials, if your are building, reroofing, or adding a skylight ask your builder about building materials that are hail resistant.

Some building materials are more resistant to impact damage than others, so consider retrofitting with stronger external roof and wall materials. Check that roofing materials and solar panels meet the AS/NZS standard hail impact minimum test of 25mm hail at 23 m/s. If you're converting a garage to a home office, workshops, or playrooms,the purpose of use changes and you'll need to check the original materials are strong enough for the new purpose - to protect people and property.

The type of roofing material you choose might influence your insurance premium, based on its replacement cost and its susceptibility to damage. According to insurers, a well maintained metal roof performs better in a hailstorm than other materials, but hail-resistant tiles now offer considerable protection from hail.

Use an online calculator to determine whether your insurance company takes roofing material into account when calculating your house insurance premiums.