Hailstorms can cause extensive damage to homes, particularly to roofs, siding, and windows. If you've ever experienced a severe storm, you may wonder, "Does homeowners insurance cover hail damage?" The answer depends on your policy and location.

At Harbor Insurance Agency, we help homeowners understand their coverage options, ensuring they’re protected against hail, wind, and other severe weather events. Let’s break down what homeowners insurance covers, when you might need a separate wind & hail insurance policy, and how to file a claim.

Does Homeowners Insurance Cover Hail Damage?

Most standard homeowners insurance policies do cover hail damage, but coverage details vary based on your policy, state regulations, and insurance provider.

What’s Typically Covered?

✅ Roof Damage – Repairs or replacements for hail-damaged shingles, metal roofing, or tiles.
✅ Siding & Exterior Damage – Dents, cracks, or holes in vinyl, wood, or brick siding.
✅ Windows & Doors – Broken glass or structural damage due to hail impact.
✅ Detached Structures – Garages, sheds, and fences may be covered if included in your policy.

What’s NOT Typically Covered?

❌ Wear & Tear – If your roof was already old or poorly maintained, claims may be denied.
❌ Cosmetic Damage – Some policies exclude damage that doesn’t affect function (like minor dents).
❌ Exclusions for High-Risk Areas – In hail-prone regions, policies may exclude or limit hail damage, requiring a separate wind & hail insurance policy.

Do You Need Separate Wind & Hail Insurance?

If you live in a state where hailstorms are common, your homeowners policy might exclude hail damage or require a high deductible. This is especially true for homeowners in coastal and high-risk wind zones.

For example, in North Carolina, many homeowners need a separate wind & hail insurance policy, particularly if they live in one of the NCIUA-designated counties.

🔹 How do you know if you need separate wind & hail insurance?

• Your homeowners policy excludes hail damage or has a high windstorm deductible.

• You live in a coastal area or hail-prone region.

• Your mortgage lender requires separate wind & hail coverage.

🔗 Learn more about Wind & Hail Insurance options.

How to File a Hail Damage Insurance Claim

If your home is damaged by a hailstorm, filing a claim correctly ensures you get maximum coverage. Follow these steps:

1. Document the Damage

• Take clear photos and videos of all damage.

• Note the date and time of the hailstorm.

• If possible, collect local weather reports confirming hail in your area.

2. Contact Your Insurance Provider

• Report the damage as soon as possible.

• Request a copy of your policy coverage details.

• Ask about next steps and required documentation.

3. Get an Inspection & Estimate

• Your insurer may send an adjuster to assess the damage.

• Consider getting an independent contractor’s estimate to compare.

4. Proceed with Repairs

• Once approved, work with licensed contractors.

• Keep detailed records and receipts for all repairs.

🔗 For more details, check our guide: How to File a Wind & Hail Insurance Claim.

How to Reduce Your Hail Insurance Costs

Many homeowners don’t realize that improving their home’s storm resistance can lower premiums. Here’s how:

✔ Upgrade Your Roof – Impact-resistant shingles can qualify you for insurance discounts.
✔ Install Storm-Resistant Windows & Doors – Reinforced glass minimizes damage risk.
✔ Consider Bundling Policies – Bundling homeowners & auto insurance can save money.
✔ Increase Your Deductible – Opting for a higher deductible lowers monthly costs but increases out-of-pocket expenses if a claim is filed.

Does Hail Damage Affect Home Resale Value?

Yes! Unrepaired hail damage can lower your home’s value, leading to appraisal issues when selling. Even if your roof is structurally sound, visible dents or missing shingles may cause potential buyers to negotiate lower offers.

💡 Pro Tip: If you’re selling your home, get a hail damage inspection and repair before listing to maintain property value.

Protect Your Home: Get the Right Wind & Hail Coverage

Don’t wait until after a storm to find out your coverage is lacking! Whether you need homeowners insurance that includes hail damage or a separate wind & hail policy, we can help.

🔹 Compare your options today:
📌 Get a Free Quote on Wind & Hail Insurance
📌 Explore Homeowners Insurance Coverage
📌 Learn More About NCIUA Wind & Hail Insurance

Harbor Insurance Agency specializes in finding affordable, comprehensive coverage tailored to your home’s needs. Contact us today!