Winter weather can be unpredictable, and dealing with damages caused to your home by rain, snow, sleet, and hail can be costly. Because harsher weather patterns and damaging hailstorms have become more frequent in recent years, many homeowners wonder if home insurance covers damage from these kinds of weather events.
Does homeowners insurance cover hail damage?
Most homeowners insurance plans provide coverage for your physical dwelling, the surrounding property, and your personal belongings within it for a specific list of named perils. Because wind damage is normally a covered peril and hail falls within the category (fun fact: hail is just wind-driven rain or snow), hail damage is covered by most homeowners insurance plans.
However, if you live in a state or region that experiences frequent hailstorms (including “hail alley” states such as Colorado, Nebraska, and Wyoming), the cost of this policy (premium and deductible) will be higher in your area than in places where hailstorms are less common.
Though hail damage frequently occurs to roofs and other similar structures, most homeowners insurance policies will only reimburse insurers for physical damage that severely impacts your ability to utilize an item, appliance, or area of your home (i.e. function), as opposed to cosmetic damages that only influence the way it looks (i.e. aesthetics).
Before filing an insurance claim, be sure to read and understand your existing policy, check for any exclusions or limitations, and effectively document the damage to your home to provide your insurance company with a full picture of your situation.