Does My Homeowners Insurance Cover Hail Damage?

Yes—homeowners insurance typically covers hail damage, including damage to your roof, siding, gutters, and more. However, coverage can vary based on your policy, deductible, and whether damage is cosmetic or structural.

What’s Covered?

• Dwelling coverage (Coverage A) handles damage to your home’s structure, such as roofing and external walls.

• Other Structures (Coverage B) protects detached buildings like sheds or garages.

• Personal Property (Coverage C) may cover belongings damaged during a hailstorm, though valuables might have limits.

• Loss of Use/Dwelling (Coverage D) can help with temporary living costs if your home becomes uninhabitable.

Note: Auto-damaged by hail? That’s not covered under homeowners' insurance; you’ll need comprehensive auto coverage.

Deductibles & Depreciation: Know Before You File

• Deductibles apply: If your repair cost doesn’t exceed your deductible, filing a claim won’t help. Some areas even have higher, separate hail deductibles.

• Actual Cash Value (ACV) vs. Replacement Cost Value (RCV):

  • ACV subtracts depreciation—you may get significantly less than the repair cost.

  • RCV pays the full replacement price, minus your deductible. Investing in RCV coverage can be worth it.

Acting Fast Pays Off

1. Inspect and document: Look for dents, granule loss, dark spots, or damage to gutters or vents.ucspa.comVita Roofing

2. Don’t delay: Many insurers impose filing deadlines (often within a year), and early claims head off long repairs and further damage.

3. Document everything: Photos, videos, and notes make a stronger claim.

4. Use a reputable contractor: Beware storm-chasers. Choose credentialed experts.

Vita Roofing: Your Insurance Claims Ally

Facing hail or windstorm damage? Vita Roofing offers robust insurance claims assistance:

• They coordinate with your insurance adjuster to smooth out the claims process.

• Provide detailed written estimates and roofing material suggestions that help protect against future storms.

• Handle all repairs or replacements—backed by local expertise in ND & MN.Vita Roofing

• With hail season always a risk in the upper Midwest, Vita Roofing is ready to offer quick inspections and guide you through recovery.Vita Roofing+1