Does Homeowners Insurance Cover Hail Damage

August 21, 2023

Does Homeowners Insurance Cover Hail Damage

Hail damage is a common hazard for homeowners across the Nashville, Tennessee, area. Every summer, hail ranging from pea-sized to grapefruit-sized chunks of ice can crack windows, puncture shingles, and dent roof flashing or gutters. This can result in a lot of stress and added expense if you need to get a lot of repairs. But is hail damage covered by insurance in the first place?

Most home insurance coverages include hail damage—but it is important to ensure you get the right coverage with affordable deductibles and no gaps where hail repairs come directly from your pocket. At Intercept Roofing, we help hundreds of homeowners navigate the hail damage claims process so our team can repair their roofs with as little out-of-pocket cost as possible. Learn more about the hail insurance claims process for hail damage roof repair, how to stay safe during hail season, and what to do if your roof got damaged in the last storm.

How Does Homeowners Insurance Cover Hail Damage?

In Tennessee, most standard policies include hail damage as a listed peril. That is, it protects your home's structure and contents in the event they're damaged by hail. But your answer to 'Does insurance cover hail damage?' may differ from your neighbor's. There are a couple of details that may change the amount you pay for repairs and how much your insurance company pays. These include:

Your deductible: Insurance companies pay for the cost of roof repair or replacement after hail damage minus the cost of your deductible. You pay that amount directly before insurance steps in. So, does insurance cover hail damage? Often, the answer is 'yes' — but not all of it.
Smaller line item details: Windows, for example, often have different coverage options, so you pay per replaced window or per incident.

The Hail Insurance Claims Process

At Intercept Roofing, we're here to help you manage the claims process as quickly and efficiently as possible. If you're worried about 'Is hail damage covered by insurance?' then following this step-by-step process can help. These are the steps for filing a claim:

Document the damage by taking pictures or videos following a hail storm.
Simultaneously, start to gather repair quotes from reputable services. Contact several companies, and get free quotes and estimates for repairing the damage. You want to have at least one or two before meeting with your adjuster. You can even schedule an appointment with your preferred company so they meet the adjuster and coordinate with them directly.
File a claim through your insurance company. This starts the process, and your insurance company will likely send an adjuster to assess the damage.
The adjuster assesses the damage and sends the information to the company. Having your contractor on-site when the adjuster comes can go a long way in ensuring the claim process goes smoothly.
You may receive a payout from your insurance that you can then use to pay for repairs, or your insurance company may pay the contractor directly.

Then the roof service can make all the covered repairs and restore your roof to its previous condition as quickly as possible.

Hail Safety and Protection Tips

Hail storms are unavoidable across large parts of the United States. However, there are some steps you can take to keep yourself safe and minimize the hail damage to your roof and property:

If a storm is forecasted, park your car in the garage or in a covered driveway.
Review your policy annually so you know the answer to 'Does insurance cover hail damage?' for your property.
Have supplies like a tarp on hand to cover roof damage before rain gets inside your home. During hail season, roofers may have a waiting period to assess your roof and apply temporary covers.

Intercept Roofing: Your Trusted Partner for Hail Damage Insurance Claims

Hail damage is stressful, no matter how often you've had to repair your roof. Does insurance cover hail damage? We'll help you find out! The team at Intercept Roofing is here to help you throughout the claims process and to provide excellent roof repair services. Reach out today to schedule a free inspection or to request assistance.

Image Source: Lisa-S/Shutterstock

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