Three areas are worth addressing at renewal or mid-term review before the season is further advanced. First, sums insured on commercial property and residential clients should be checked against current replacement costs – rebuild costs have continued rising and underinsurance that was marginal two years ago may now be material on a hail or storm repair. Second, fleet operators with significant outdoor or hail-exposed vehicle stock should have their specific cover conditions reviewed, as some fleet policies carry per-event deductible structures that absorb more of a mass-hail event than clients expect. Third, catastrophe capacity across the portfolio is worth reviewing in the context of a season that, based on 2025 precedent, can produce multiple events in rapid succession – a pattern that tests not just individual policy limits but the aggregate claims handling capacity of the insurers on the program.
