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NASHVILLE — Spring storms are back, and underestimating them can be costly. AAA is partnering with the Insurance Institute for Business and Home Safety to help residents prepare.

Spring Storm Threats

Spring weather patterns fuel fast‑developing storms capable of causing severe damage with little warning.

Tornadoes can rip roofs from homes, collapse walls, and turn debris into high-speed projectiles that shatter windows and damage vehicles. Even weaker tornadoes can leave homes unstable and cause costly structural repairs.

Severe thunderstorms produce destructive wind gusts that tear off shingles, break tree limbs, and damage siding, while lightning can spark house fires or destroy electrical systems. Heavy rainfall often leads to roof leaks and interior water damage.

Large hail can punch holes through roofing materials, break windows and skylights, and heavily dent or total vehicles. Repeated impacts weaken roofs and increase the risk of leaks and long-term structural deterioration.

Flash flooding can overwhelm foundations, enter crawlspaces and living areas, and destroy flooring, drywall, appliances, and electrical components. Once water recedes, lingering mold and structural damage can drive repair costs even higher.

Straight line winds can uproot trees, peel off roof coverings, and lift unsecured structures like sheds and patios. Flying debris can break windows, damage siding, and compromise garage doors, leading to further interior damage.

“By the time many people realize how severe a storm is, the damage may already be done,” said Jeff Jones, AVP of Claims for AAA The Auto Club Group. “Our claims teams see it every year, from roofs torn apart by wind to vehicles destroyed by hail. Preparing early and staying alert can reduce the damage when severe weather hits.”

Why Spring Storms Are So Costly

Spring storms cause billions of dollars in losses each year, driven largely by a small number of home components that repeatedly fail under extreme conditions:

Roof replacement: Replacing asphalt shingles on an average-sized home can cost $3,000 to $6,000 or more, depending on materials and labor. When roofing fails, water intrusion often causes additional interior damage.

Water damage: IBHS testing shows that when roof coverings fail, the equivalent of nine bathtubs of water can enter a home for every inch of rain, leading to costly repairs, mold remediation, and content replacement.

Garage door failure: Garage doors are one of the most vulnerable parts of a home in high winds. Replacing a wind-rated garage door typically costs $1,200 to $3,000, and failure can trigger structural damage throughout the home.

Hail damage: Hail accounts for 50 to 80 percent of severe storm losses nationwide, damaging roofs, siding, windows, and vehicles. Vehicle repairs alone can run into the thousands.

HVAC replacement: Unprotected HVAC units damaged by hail may require full replacement, while protective screens typically cost $200 to $400, far less than repairing or replacing the unit.

Tree and debris impacts: Falling limbs and wind-driven debris frequently damage roofs, windows, and vehicles, adding unexpected repair and insurance costs.

What Homeowners Can Do Now to Reduce Storm Damage

Review your insurance coverage to ensure policies reflect current replacement costs and that deductibles are understood.

Inspect and maintain your roof. Replace loose shingles and ensure flashing around chimneys and vents is secure.

Install a wind-rated garage door. This is one of the weakest points in a home during high winds.

Trim trees and remove dead or overhanging limbs to reduce damage risk.

Secure or store outdoor items so they do not become airborne in high winds.

Prepare an emergency kit with water, food, flashlights, batteries, medications, and important documents.

Protect your vehicle by identifying a place to park it during severe weather.

What Storm Victims Often Learn Too Late

Flood damage is not covered under standard homeowners or renters insurance.

Wind and hail are usually covered but may have higher or separate deductibles.

Due to increasing construction costs, existing insurance policies may no longer offer sufficient coverage for complete reconstruction.

Auto damage from hail or flooding is only covered with comprehensive coverage.