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Hailstorm Damage Statistics and Insurance Coverage

Hail Damage can be a serious problem and a source of damage in many states from the US. For example, in 2017 in Texas, more than 1 million properties were damaged by hail. Recent studies say that the most exposed to hail damages states are Texas, Illinois, Missouri, Minnesota and Oklahoma.

If you are a homeowner, you probably want to know if hail damages are covered by your home insurance. Well, in most states, they are. But each state and even each insurer has its policy of coverage. In states where hail is less frequent, a standard coverage policy usually includes compensation for hail damage.

How to file a hail damage claim

As you probably know, every coverage for any damage requires filing a written claim. In this case, it will be a claim for hail storm damage on your roof or any other parts of your house. After filing a claim, the insurer should pay the repairs according to your deductible agreement. But first, make sure that your insurance policy includes wind and hail damages.

On the other hand, if you are living in a hail exposed area, insurers could limit their coverage or increase the cost of the policies, even though the damage wasn’t created by your negligence. Lately, more and more insurance companies started to apply this option by excluding payments for exterior damages caused by hail impacts. In that case, talk to your insurer and roofing company at about this.


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