{
  "id": "riskg-hail-protection",
  "type": "risk-guideline",
  "languages": {
    "en": {
      "id": "riskg-hail-protection",
      "lang": "en",
      "type": "risk-guideline",
      "title": "Hail Protection",
      "shortDefinition": "Hail protection comprises the selection of impact-resistant roofing, façades and outdoor installations together with mechanical safeguards that protect building envelopes and rooftop equipment from hail damage.",
      "synonyms": [
        "Hail resistance",
        "Hail-resistant construction"
      ],
      "linesOfBusiness": [
        "Property"
      ],
      "jurisdictions": [
        "CH",
        "Global"
      ],
      "tags": [
        "Natural hazards",
        "Loss prevention"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-natural-hazards",
          "term-hagel"
        ],
        "partOf": [
          "riskg-natural-hazards"
        ],
        "appliesTo": [
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "FM Data Sheet 1-34: Hail Damage"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/hail-protection/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/risk-engineering/hagelschutz/",
      "body": "## Hazard picture\n\nHailstones strike almost exclusively horizontal and low-pitched surfaces; the most frequently affected components are roof membranes, rooftop equipment such as ventilation and air-conditioning units, roof lights and photovoltaic modules. Because hail tracks are spatially narrow but locally intense, individual sites can suffer repeated high losses while neighbouring areas remain undamaged.\n\n## Protection measures\n\nTested, hail-resistant roofing materials and systems substantially reduce the risk of puncture and denting; impact-resistant roof lights and retrofittable protective grilles are available for skylights. In hail-exposed locations, photovoltaic installations should be specified with certified hail resistance or additionally protected with movable covers. Regular roof walk-downs after severe weather events allow early damage detection.\n\n## Insurance relevance\n\nAs hail represents a significant accumulation risk for property and reinsurers and is modelled separately in natural catastrophe models, some insurers reflect the use of certified hail-resistant building products in their risk grading. Inadequate hail resistance of roofs and rooftop equipment is regarded as a key weakness identified during risk surveys."
    },
    "de": {
      "id": "riskg-hail-protection",
      "lang": "de",
      "type": "risk-guideline",
      "title": "Hagelschutz",
      "shortDefinition": "Hagelschutz umfasst die Wahl schlagfester Bedachungen, Fassaden und Aussenanlagen sowie mechanische Schutzvorrichtungen, mit denen Gebäudehüllen und technische Aufbauten vor Hagelschäden bewahrt werden.",
      "synonyms": [
        "Hail Protection",
        "Hagelresistenz"
      ],
      "linesOfBusiness": [
        "Sach"
      ],
      "jurisdictions": [
        "CH",
        "Global"
      ],
      "tags": [
        "Naturgefahren",
        "Schadenverhütung"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-natural-hazards",
          "term-hagel"
        ],
        "partOf": [
          "riskg-natural-hazards"
        ],
        "appliesTo": [
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "FM Data Sheet 1-34: Hail Damage"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/risk-engineering/hagelschutz/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/hail-protection/",
      "body": "## Gefährdungsbild\n\nHagelkörner treffen nahezu ausschliesslich horizontale und schwach geneigte Oberflächen; am häufigsten betroffen sind Dachhäute, Dachaufbauten wie Lüftungs- und Klimageräte, Lichtkuppeln sowie Photovoltaikmodule. Da Hagelzüge räumlich eng begrenzt, aber lokal sehr intensiv auftreten, entstehen an einzelnen Standorten wiederholt hohe Schadensummen, während benachbarte Gebiete unbeschädigt bleiben.\n\n## Schutzmassnahmen\n\nGeprüfte, hagelresistente Bedachungsmaterialien und -systeme reduzieren die Durchschlags- und Eindellungsgefahr erheblich; für Lichtkuppeln und Oberlichter stehen schlagfeste Ausführungen sowie nachrüstbare Schutzgitter zur Verfügung. Photovoltaikanlagen sollten in hagelexponierten Lagen mit zertifizierter Hagelresistenz ausgeschrieben oder durch bewegliche Schutzstoren zusätzlich gesichert werden. Regelmässige Dachbegehungen nach Unwetterereignissen erlauben eine frühzeitige Schadenerkennung.\n\n## Versicherungsrelevanz\n\nDa Hagel für Sach- und Rückversicherer ein bedeutendes Kumulrisiko darstellt und in Naturkatastrophenmodellen gesondert abgebildet wird, honorieren manche Versicherer den Einsatz zertifizierter, hagelresistenter Bauprodukte bei der Risikoeinstufung. Fehlende Hagelresistenz von Dach und Gebäudetechnik gilt als wesentlicher Schwachpunkt bei der Risikobesichtigung."
    }
  }
}