Montana

Wind damage highlights insurance challenges for Montana homeowners

Published

2 months ago

March 11, 2026

Wind damage highlights insurance challenges for Montana homeowners

It’s the talk of the town this week — powerful winds ripped the roof off Lincoln Elementary School on Sunday, leaving students, teachers, and residents in shock.

The incident has sparked concern among homeowners who are now worried about how such weather damage could impact their own homes—and what their insurance would cover.

According to Tauna Locatelli, owner of Advantage Insurance, most insurance policies have a set deductible for things like fire or theft, but wind and hail damage deductibles are often much higher, or even based on a percentage of a property’s value.

Quentin Shores reports – watch the video here:

Wind damage highlights insurance challenges for Montana homeowners

“Right now our industry is going through a really challenging time, especially when it comes to wind and hail in Montana. Several carriers are going to a standard ‘all peril’ deductible for everything other than wind and hail. So, it could be $1,000 for all but wind and hail, $2,500 wind and hail,” Locatelli explained.

A deductible is the amount homeowners must pay before insurance covers the rest. For wind and hail, that deductible can be steep.

“Some companies are going 1 or 2% of a coverage value, so that’s the building value. If it’s insured for $500,000 and you have a 1% deductible, you’re looking at a $5,000 deductible for wind and hail, which is what we get in Montana,” Locatelli said.

It’s important for homeowners to know their deductible—if repairs cost less than the deductible, insurance won’t pay anything.

Filing small claims can also impact your rates; Locatelli said, “Because if you have a $3,000 patch job claim and you have a $5,000 deductible, you really don’t want to file that because you’re not going to get anything in. That claim is going to follow your insurance record for five years.”

Age of property factors in as well. If you have an older roof, insurance may not fully cover its replacement.

“You’ve now lived half the roof life. Well, insurance is about indemnity and putting you back in the same condition you were in before the loss. You can’t put a 16-year-old roof on a home, so at 16 years, they’ll now pay 50% of that roof instead of 100% because it’s already lived half of its life. And then it drops each year as it goes by,” Locatelli added.

The bottom line: Keep your property maintained, review your insurance policy, and think carefully before filing a claim—especially as Montana faces more intense weather.

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Montana

Montana’s Underrated Beach State Park Has Sandy Shorelines, Swimming, And Birding – Islands

Published

3 hours ago

May 3, 2026

Press Room

Montana’s Underrated Beach State Park Has Sandy Shorelines, Swimming, And Birding – Islands

Imagine a long expanse of pristine sand slipping into calm, lapping, crystal-clear waters. The occasional chunk of driftwood juts out as mountains cut an elegant outline in the distance. Forced to guess which state you’re in, you might draw a blank — the mountains are a bit of an anomaly. Yet such a place exists in Montana. It’s called Somers Beach State Park, an underrated gem sitting on the northwest shore of Flathead Lake. Its sandy shorelines and wide-open space provide plenty of room for swimming, birding, and a few trails.

The 106-acre beach rests along Flathead Lake, one of the largest freshwater lakes in the U.S. The 200-square-mile blue gem has been lauded by visitors and sites like Lake.com as being the 10th-cleanest lake in the country, earning a spot on the list of U.S. lakes that are unbelievably clean and clear. The surroundings aren’t that bad either. Visitors who hit the beach often relish its view of the Swan Mountains stretching across the horizon. The park is still evolving: Montana acquired the property in 2021, opened the beach a year later, and has been building up its facilities and amenities ever since.

The key to visiting Somers Beach State Park is timing. Because its size changes with Flathead Lake’s water levels, many visitors have come away confused, underwhelmed, or plain old angry to find a rocky, windy stretch of shoreline. Fair enough, since Somers Beach’s sandy shores have a knack for disappearing in the summer. Instead, they emerge when Flathead Lake’s water dips between fall and spring, only to rise up with the temperatures.

Swim, hike, bird, and scope out the surroundings

For those looking to take a dip in Somers Beach’s waters, there comes a compromise. You can have warm waters — or you can have a sandy shore. You can’t have both. How much swimming you actually get done while there will depend on when you visit. During the summer, the shallow portion of the beach can stretch for several hundred yards, leaving you wading through waist-deep water for an interminably long time. “It’s fun because the lake isn’t as high and there’s quite a long stretch of beach to play in the water or just bask in the sun,” one local wrote in a Google review. “It’s a beautiful place to see Flathead Lake and the mountains.” Visiting outside the summer carries its own set of issues, as Flathead Lake’s water temperature tends to plummet. Bring hiking boots and binoculars instead.

As a relatively young state park, Somers Beach doesn’t have a formal trail system. All the better, as you then have a chance to just wander about. The nearby town of Somers contains plenty to see to the west, while to the east are wetlands and a grassy area north of the shore. Birders will have plenty to enjoy as well. The Flathead Lake Waterfowl Production Area east of the beach provides habitat for over 200 species of birds. (Authorities close off access to the area during nesting season, between March and July.) If you time your visit right, you can spend a day with sand between your toes. The drop in water level creates a half-mile expanse of sandy shoreline worthy of a peaceful stroll.

The logistics of visiting Somers Beach State Park

Flathead Lake’s proximity to Glacier National Park makes Somers Beach accessible by several modes of transportation. Glacier Park International Airport is only half an hour’s drive away. While the beach alone may not justify a long-haul flight, it pairs well with other destinations around the lake. That includes Yellow Bay State Park, a crowd-free paradise surrounded by cherry orchards. Together, they can fill an entire weekend with adventure.

Unfortunately, you can’t pitch a tent right on the beach; the state park is day-use only. Fortunately, finding a place to sleep nearby isn’t much of a hassle. A ring of accommodations orbits Flathead Lake, including luxury cabins costing several hundred dollars per night. The highly-rated Somers Bay Cabin Lodging is minutes away as well, with log cabins that have lake views, ranging in size from studios to two-bedroom units. Despite the rustic exterior, the interiors still have all the modern conveniences you’d expect, from Wi-Fi to heating.

The beach’s home alongside Flathead Lake makes it adjacent to several must-see areas, chief among them Flathead Valley. The unexpectedly up-and-coming wine region — yes, a wine region in Montana — with its excellent wineries and nearby orchards, provides an ideal bookend for a trip to Somers Beach. If you visit during the warmer months, be sure to bring bug spray to keep the mosquitoes at bay. If you plan on hauling a boatload of supplies with you — inflatables, coolers, or chairs — bring a wagon. The jaunt from the parking area to the beach can be longer than it looks.

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