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The most obvious sign of ice dam problems is large icicles forming on your roof or your gutters. You might also notice water spots on the underside of the roof decking or wet or drooping insulation in your attic. Severe damage from ice dams can include water spots on the ceilings inside your home.

In most cases, yes, you should fix hail damage to your roof. For asphalt roofs that experience hail damage, the shingles can crack and tear from impact, potentially exposing the underlayment and other building material underneath to water and pests. You might save an average of $1,100 by neglecting repairs, but water damage can cost significantly more. Even on a metal roof, where penetration isn’t a concern, the dents hail can leave behind can detract from your curb appeal, potentially making your home less valuable.

Yes, home insurance coverage includes hail damage. An HO-1 insurance policy offers the most basic coverage for homeowners. In every homeowners’ insurance policy, the insurer includes a list of perils (or dangers) that you’re covered from, and HO-1 policies almost always include protection against hail and windstorms as well as other perils like fire, lightning, and vandalism. All you need to do is file a homeowners insurance claim, and your insurer will send you a check for the amount covered.

If a storm or other natural disaster occurs in your area, you may not have immediate access to help. According to the U.S. Federal Emergency Management Agency, keep a disaster preparedness kit in your home with enough essentials to sustain your family for at least 72 hours. Put this in an easily accessible location to have it handy in case anything unthinkable happens.