Does Insurance Cover Hail Damage?

Spring has arrived, and with it hail season is here. Depending on where you live hail can be a serious issue. It’s important to understand what hail can do to your home or vehicle and take the appropriate steps to make sure you have insurance policies in place that will protect you and your assets in the event of hail damage. Hail is a nuisance even with the correct policies, don’t let it affect your finances too.

Farmers Insurance analyzed several years worth of hail-related claims and found that the spring hail season actually accounts for 58% of all comprehensive auto claims related to hail damage. That means it’s time to get your policies in order now! There is no sense in waiting until it’s too late.

So, what do you need to do to prepare for hail season? There are two types of insurance policies that are most likely to protect your from hail damage: your auto-insurance policy and your homeowner’s insurance policy. However, not every auto or homeowners policy include hail coverage. These are the things you should look for.

Auto Insurance
Check your auto-insurance policy and see if you have what is called “comprehensive coverage”. Most car insurance policies with comprehensive coverage cover hail-related damage.

However, not every policy protects you for the same amount. If your car is damaged in a hail storm take your car into an auto body shop for an assessment. Remember, if the damage is not as much as your deductible it might not be worth getting repaired. It is worth noting that most insurers will not raise your premiums for a hail-related claim.

If you are concerned about the type of coverage you have, reach out to your insurer and ask! It’s your policy; take the time to get to know what’s and what’s not.

Homeowners Insurance
While car damage is the most common when it comes to hail damage, a decent hail storm can also wreak havoc on your home! Luckily, most homeowners insurance policies include hail provisions. If you do experience home damage as a result of a hail storm, there are a few things you should take care of right away.

First, take pictures of the damage right away! Be sure to check the roof, sidings, gutters and other out of the way places that hail can damage. You don’t want to submit a claim only to find more damage afterwards.

Second, reach out to your insurer to schedule an adjuster visit. Virtually all insurers will require an adjuster inspection to assess the damage themselves. Having your pictures of the damage handy for the adjuster will also make the process even easier.

It’s important to remember that many homeowners insurance policies don’t cover damage that is just cosmetic. Usually, the damage has to actually affect the integrity of the homes structure for insurance to kick in. However, that could be different depending on what kind of policy you have!

Yes, hail can be a huge pain, but it doesn’t have to be an expensive one! Take the time to reach out to your insurer before hail season is in full swing and know what your policies cover you for. It’s always better to be informed.

If you are interested in a new homeowners or auto policy, or simply want to inquire about what kind of coverage is available to you, we encourage you to reach out to the staff at TGS Insurance. They’re a great resource and incredibly knowledgeable about hail-related insurance policies. Visit to learn more.