GRAYSON COUNTY, TX -- With the threat of hail producing storms Tueday area insurance agencies say there are some tips that will help protect you from mother nature's wrath.
Allstate tallied the top 25 stormiest counties in Texas and Grayson County ranked 7th on that list of communities hit the hardest by hail and wind damage. Agents say you never know when disaster is going to strike and that preparing now could save you a big chunk of money in the long run.
Raymond Ker Jr. says he learned his lesson the hard way. He says years ago softball size hail took a beating on his '79 Cougar and that is when he decided he needed full-coverage insurance.
"It is important to have full-coverage insurance. Tornado any type of insurance that you be covered with everything, including your car," Ker said.
Allstate Agent Terry Everett says when it comes to damage making sure you have proper insurance coverage is the first step to prepare yourself before the storm.
"Insurance is one of those things, it's like, you know you may not want to pay for it, but when you need it it's sure nice to have it," Everett said.
Everett says after you know you are fully covered pull out those cameras and cell phones to take videos or photos of your vehicles and everything you have in your home.
"If something does unfortunate happens then you have video or photographic proof that yes I had this nice new flat screen television or these electronic devices and things like that," Everett said.
He says if mother nature does decide to come pounding on your door, or your roof, buying quick fix items like a tarp could end up saving you from thousands of dollars of further damage.
"For instance like you put some tarps and cover up some windows temporarily until it gets fixed, keep your receipts keep track of all that because that could all very well be covered as part of your homeowners packet insurance as well," Everett said.
Everett says if you do have insurance it is never a bad idea to get with your agent and double check your policy to make sure that everything is squared away.