Read the storm alerts and the insurance page before hail season

A severe storm warning in Bexar County may mean more than hard rain. Weather Service records for the San Antonio area include hail, strong wind, tornadoes, and major floods. Check its Bexar County page for watches and warnings when a storm starts to build.

Insurance is another part of storm prep. The Texas Department of Insurance says home plans away from the coast will likely cover wind and hail. A separate deductible may apply. Comprehensive auto coverage usually covers hail damage to a car. Basic liability does not. Read your policy page or ask your insurer instead of guessing.

After a storm, take photos and stop more damage when it is safe. Save receipts and get more than one repair bid. TDI says it is against the law to waive a home insurance deductible. Keep your policy and insurer's number handy before the clouds arrive.