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Houston Auto InsuranceSummertime brings to mind thoughts of cookouts, barbecues, days at the beach and baseball. Rarely does it bring to mind the thought of severe storms that leave hundreds or even thousands of dollars of damage in their wake. Because of the warm fronts rolling across the United States, summer can be a time when tornadoes drop from the sky and destroy homes, vehicles and other valuables. Hail can reach the size of baseballs--and that isn't the kind you want to find on the ground outside your window.

How can you know if you are at risk from severe weather? Know the chances of a storm in your area, and keep a close eye on the weather. States found in "Tornado Alley"-- Kansas, Missouri, Nebraska, Iowa, South Dakota, Oklahoma and Texas--are the most likely to see damaging winds or the occurrence of a tornado. If you live near a hill or a mountain range, the risk is lessened due to geographic features that protect you from the winds. Vehicles like convertibles, motorcycles or bicycles face the largest risk of damage due to their small size and/or open design. 

Bicycles and motorcycles should be placed inside garages or covered shelters to prevent high winds from lifting them up. Soft-top convertibles should be placed inside a garage, since their covers are not as tough. The hard-top style of convertible will fare as well as any other vehicle in the rain. All vehicles should be parked away from trees and power lines to lessen the risk of falling branches or downed power lines. 

Another step you can take toward ensuring that your vehicle is protected is to check your auto insurance coverage. View your policy and see what's covered, how much is covered and what your deductible will be. Many types of insurance do not cover hail damage, especially if you live in an area where hail damage is not common. 


  • Hail can hit your car at speeds of nearly 100 miles per hour and be the size of a softball.
  • Most tornadoes reach speeds of around 110 miles per hour, but can go as high as 300 miles per hour.
  • Severe weather isn't the only risk factor. Lightning, extreme rain, mudslides due to the rain and many other factors, place your car at risk.

To summarize, no one can be sure what the weather will bring, but you can take steps to ensure that your insurance covers the things that are important to you. With a bit of knowledge and foresight, even the damage from the worst disasters can be lessened. 

Need more information on financially protecting your car this summer? Give Smith Davidson Agency a call at 713-771-3973 and let us help you with your Houston auto insurance.

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