Spring storms frequently bring strong winds and hail that can loosen shingles, damage flashing and create new entry points for water. Thousands of severe hail and wind events are recorded annually in the US, with activity ramping up from March through June, and even relatively minor roof damage can escalate into substantial interior water claims if it goes unnoticed. That translates into repeated, attritional losses rather than headline catastrophes, the kind of secondary‑peril exposure that is increasingly shaping reinsurance costs and deductible structures in homeowners’ programmes.
