Does Homeowners Insurance Cover Hail Damage?
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Does Homeowners Insurance Cover Hail Damage?

Spotting a hail storm on the weather radar is no fun for anyone, especially if you own your home. Severe weather, like hailstorms, has the potential to wreak havoc on your home’s exterior, like your roofing and siding. The damage caused during these weather events can cost you a pretty penny in repairs or replacement.

Most homeowners invest in insurance on their property, but some are unsure what that truly covers. Let’s find out if the homeowner’s insurance covers hail damage below!

Does Homeowners Insurance Cover Hail Damage?

In short, yes. Homeowner’s insurance will cover hail damage to your roof. In fact, Minnesota is the number one state for hail damage claims. In Minnesota, homeowner’s insurance protects you from unforeseen events such as severe weather, fire, and burglary in some cases. Always make sure you are aware of what your specific homeowner’s insurance covers.

So, if a hail storm recently damaged your home’s exterior, don’t fret! You should be able to get the ball rolling on repairs with minimal payment. Depending on the extent of the damage, you may have to pay your deductible for the repairs.

How to Spot Storm Damage on Your Roof

Hail damage does specific damage to your roof. After a storm, check for the following signs that your home has sustained damage:

  • Missing Shingles

  • Loose Granules or Balding Shingles

  • Black Spots on Your Shingles

  • Dents in Your Shingles

  • Pooling Water

If you notice any of these signs, then your home has sustained damage, and it’s time to make a few phone calls.

What Are the Steps in Filing a Storm Damage Claim?

The hail has since stopped raining down from the sky, but the scars and blemishes on your house remain. Here are the steps in successfully filing a claim with your insurance company.

1. Assess The Damage

Be sure to take a walk around the perimeter of your home and assess the severity of storm damage before you contact anyone. Getting a firsthand look helps you conclude you need to file a claim.

2. File a Claim as Soon as Possible

You have up to two years to file a storm damage claim with your insurance company, but it’s wise to file it as soon as possible. The earlier you report storm damage, the greater chance of comprehensive repair at a minimal cost.

3. Work With a Trusted Roofing Contractor

There’s a saturation of “Storm Chasers” in our business who only seek to take advantage of homeowners. So, a major plus is finding a roofing contractor with dedicated programs like insurance assistance.

Prepare Your Home for Summer Storms

Being proactive about storm damage is a good idea to keep costs lower when something does happen. To prepare your home for storm damage, make sure you get your roof inspected twice a year. You should also inspect your gutters for damage and get those issues repaired right away.

Another problem that plagues homes is trees. Check your surrounding trees and determine if any branches hanging over your home can be trimmed back. Avoiding the issue of branches falling on your home is a great way to protect your home.

Choosing Homeowners Insurance

When choosing homeowners insurance, it’s best to read through company policies and see everything that they cover. Some may stipulate the kind of storm damage they cover, so doing diligent research on the insurance you pick helps out in the long run.

Contact the Storm Damage Repair Experts From Timberline Roofing & Contracting

If a hailstorm damages your home’s exterior, call on Timberline Roofing & Contracting for comprehensive repairs!

Start your project online or call or text us at 612-284-5329 today!

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