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Does Insurance Cover Hail Damage? Know Your Policy Options

May 6, 2024 | 3 min. read

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Hailstorms can be a homeowner’s nightmare, leaving behind a trail of damage to roofs, vehicles, and property. When your home and property are suffering, the last thing you want to worry about is whether or not your insurance will cover the damage. 

If your roof has already suffered significant hail damage, a replacement is the only surefire way to ensure your roof continues to protect your home. But will insurance cover it?

Rescue My Roof has dealt with the nasty Wisconsin weather for a decade. Blizzards, Rainstorms – we’ve seen it all. So, we know a thing or two about hail damage. 

In this article, we’ll delve into homeowners insurance coverage for hail damage, helping homeowners understand their policy options and potential financial protection against this common weather-related peril. Ultimately, you’ll know how to utilize your homeowners insurance and be able to protect your home against extreme weather for a lifetime.

Understanding Homeowners Insurance Coverage

Homeowners insurance typically provides coverage for damage to the structure of the home, as well as personal property, caused by specific perils outlined in the policy. While coverage can vary depending on the insurance provider and policy terms, common perils that may be covered include:

  • Weather-related damage: such as windstorms, hail, tornadoes, and hurricanes.
  • Accidental damage: caused by fallen trees, vehicle collisions, or other accidents.
  • Vandalism or malicious mischief: intentional damage to the property by individuals.

Does Homeowners Insurance Cover Hail Damage?

In most cases, homeowners insurance does provide coverage for hail damage to both the structure of the home and personal property. However, it’s essential to review your insurance policy to understand the specifics of your coverage, including:

  1. Deductibles: Homeowners insurance policies typically include a deductible, which is the amount the policyholder must pay out of pocket before the insurance coverage kicks in. The deductible for hail damage may be a specific dollar amount or a percentage of the insured value of the home.
  2. Coverage Limits: Homeowners insurance policies also have coverage limits, which dictate the maximum amount the insurance company will pay for covered losses. It’s important to understand your policy’s coverage limits and ensure they are adequate to fully protect your home and property.
  3. Exclusions: Some homeowners insurance policies may include exclusions for certain types of damage or circumstances. For example, your policy may exclude coverage for cosmetic damage, such as dents or scratches on vehicles, or damage to certain types of property, such as detached structures like sheds or fences.

Filing a Hail Damage Insurance Claim

If your home or property sustains hail damage, follow these steps to file an insurance claim:

1. Document the Damage

Cracked shingle caused by hail damage.
Cracked shingle caused by hail damage.

Take photographs or videos of the hail damage to both the structure of the home and personal property. Document the date and time of the hailstorm, as well as any visible damage caused by the hail.

2. Contact Your Insurance Provider

Notify your insurance provider as soon as possible to report the hail damage and initiate the claims process. Provide detailed information about the extent of the damage and any documentation you have gathered.

3. Schedule an Inspection

Professional inspecting an asphalt roof.

Your insurance company may arrange for an adjuster to inspect the hail damage and assess the extent of the repairs needed. Be sure to accompany the adjuster during the inspection and provide any additional information or documentation they may request.

4. Obtain Repair Estimates

Obtain repair estimates from reputable contractors or auto repair shops for the hail damage. Provide these estimates to your insurance adjuster as part of the claims process.

5. Review the Settlement Offer

Once your insurance company has processed your claim, they will provide a settlement offer outlining the coverage for the hail damage. Review the offer carefully to ensure it accurately reflects the cost of the necessary repairs or replacement.

6. Proceed with Repairs

Roofer builder worker use a hammer for installing roofing shingles

If you agree with the settlement offer, proceed with the repairs or replacement as outlined in the settlement. Be sure to work with reputable contractors or auto repair professionals who can complete the work to your satisfaction.

Filing An Insurance Claim

Have you recently experienced a severe storm and noticed your garage door, mailbox, or shingles have tiny dents? It might be time to repair your roof to avoid further damage. The next step is to start the claims process. 

Call your homeowner’s insurance company to determine if the damage meets your policy criteria, and the insurance company will send an adjuster out. 

The insurance adjuster will evaluate your roof. If they find significant damage, they will approve roof repairs or a replacement, and then you can contact a local roofing company. 

Learn more about homeowner’s insurance with “Is Your Roof Damage Covered by Insurance” and “3 Tips to Get A Roof Damage Insurance Claim Approved.”

Are you ready to file an insurance claim in southeastern Wisconsin? Rescue My Roof has got you covered.  Contact us today to get a free estimate.