Following the brutal winter many of us have just experienced,the idea of spring is a welcome change. However, spring can bringits own set of problems, from an increase in tornadic activity toheavy rains.

While coverage for direct physical loss of or damage to coveredproperty caused by or resulting from windstorm or hail is astandard feature of property insurance forms, there are otherongoing losses that may result from windstorm and hail damage thatshould also be considered. Water damage, mold and the effects ofpower outages can come into play once the storm is over. But thereare some less obvious perils in the aftermath of a storm thatinsureds may also face.

For example, a homeowner who suffered hail damage to her roofprobably did not expect to become embroiled in a workers'compensation suit, but that's exactly what happened in Hoff v.Industrial Claim Appeals Office, No. 13CA1798, 2014 WL 5034507(Colo. App. Jan. 15, 2015).

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