Definition
Hail damage coverage pays for roof, siding, and window damage from hail storms. Most homeowners policies cover hail, but deductibles and limitations apply.
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Hail damage is a covered peril under most homeowners policies, but coverage includes deductibles and potential exclusions in hail-prone areas. Hail commonly damages roof shingles, gutters, siding, and windows. Claims are frequent in hail-prone regions like Colorado and Texas. Some insurers charge higher premiums or require special hail-resistant roofing materials. Hail damage claims often trigger roof inspections to verify damage before payment.
Pro Tip
Document hail damage with photos for insurance claims within 30 days.
Example
Hail damage coverage paid $18,000 for a new roof after a severe hailstorm destroyed multiple shingles.