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Hail Damage: Does My Home Insurance Cover It?

Updated: Dec 6, 2021

Most home insurance policies cover damages that may be caused by a hail storm. It is one of the most common reasons why homeowners file an insurance claim. However, it is important to ask your home insurance provider whether they do cover the damage or not. By then, you’ll be able to manage your expectations. But how do you know what damages after a hail storm can be reported?

Before you file for any claim, it is important that you inspect the house for possible damages. Begin with the damages that may be sustained by the roof. A clear indication of such is that missing shingles and the ones that have been dislocated from where they are supposed to be. A hail storm can be strong enough to cause damages to other properties such as the fences, or the car could also cause damages to your roof.

If you suspect that there might be any damages, it is best to as a professional to inspect it for you. The roof specialist will be able to tell you the extent of the damage and how much it would cost you to have it repaired. Also, you can ask them to take pictures of the damages, so that you can present them as you file a home insurance claim. It is important to note the date and the time of when the hail storm incident happened and when you called in a roof specialist to have it checked.

Once you have submitted your claim alongside the damage report duly signed by a roof specialist, the insurance company will send their representative to double check the report. The insurance agent will make adjustments to the cost of the possible repair or replacement as they see fit. The assessment that they make as well as the evaluation of the expense of the repair is the one that the insurance company will honor.

If you have expenses that may be caused by the hail damage, you should attach the receipts with the report. You may make a list of all the appliances, furniture and other things in the house that may be damaged by the hail storm. All these should come with your claim to ensure that the insurance company can thoroughly evaluate your request and process it as quickly as possible.

If you are not sure if the home insurance company covers the damages caused by the hail storm, it is best to ask before you make any purchase, especially if you live in an area that is frequently a victim of a hail storm. After all, you want to make sure you have home insurance that provides holistic protection for you and your home.

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