Does Home Insurance Cover Roof Hail Damage?

Understanding Your Coverage

Hail damage to your roof can be a stressful and costly experience. As a homeowner, it’s important to understand whether your home insurance policy covers this type of damage. At Ascent Roofing Solutions, we’re here to help you navigate the complexities of insurance coverage and ensure that your roof is repaired properly.

Hail damage is one of the most common types of roof damage, particularly in areas prone to severe storms. The National Oceanic and Atmospheric Administration (NOAA) reports that hail causes about $1 billion in damage to property and crops each year in the United States. While most standard homeowners insurance policies cover hail damage, the specifics of your coverage can vary depending on your policy and insurance provider.

Factors That Determine Coverage

Several factors can influence whether your home insurance policy covers hail damage to your roof:

Type of Policy

The type of home insurance policy you have can impact your coverage. Most standard homeowners insurance policies cover hail damage, but the extent of coverage may vary. Some policies may have exclusions or limitations, so it’s important to review your policy carefully.

For example, some policies may have a separate deductible for wind and hail damage, which can be higher than your standard deductible. Others may limit coverage for cosmetic damage, such as dents in metal roofing or gutters that don’t affect the functionality of your roof.

Age and Condition of Your Roof

The age and condition of your roof can also affect your coverage. If your roof is old or in poor condition, your insurance company may argue that the damage was pre-existing or due to wear and tear, rather than the hail event.

To avoid this situation, it’s important to keep your roof well-maintained and to address any necessary repairs promptly. Regular roof inspections can help you identify and fix potential issues before they become major problems.

Size of the Hail

Insurance companies may have specific criteria for the size of hail that qualifies for coverage. Typically, hail must be at least 1 inch in diameter to be considered significant enough to cause damage.

However, even smaller hail can cause damage, particularly if it is wind-driven or if your roof is already in a weakened state. If you suspect your roof has suffered hail damage, it’s always best to have a professional assessment to determine the extent of the damage.

Filing a Hail Damage Claim

If you believe your roof has suffered hail damage, it’s important to act quickly:

  1. Document the damage with photos and videos.
  2. Contact your insurance company to report the damage and start the claims process.
  3. Schedule a professional roof inspection to assess the extent of the damage.

When filing a claim, be prepared to provide evidence of the damage, including photos, videos, and the professional assessment report. Your insurance company will likely send an adjuster to inspect the damage and determine the amount of coverage you are eligible for.

Choosing a Roofing Contractor

When selecting a roofing contractor to repair your hail-damaged roof, it’s crucial to choose a reputable, experienced company. Ascent Roofing Solutions has been serving the Greater Columbus area for years, and our commitment to quality and customer satisfaction sets us apart.

As a veteran-owned company with over 45 years of combined experience, we have the expertise to work with your insurance company and ensure that your roof is repaired to the highest standards. Our A+ rating with the Better Business Bureau and impressive 4.9 rating out of 172 reviews on Google speak to our dedication to excellence.

When choosing a roofing contractor, be sure to ask about their experience with insurance claims, as well as their licensing, insurance, and warranty offerings. A reputable contractor will be happy to provide you with references and answer any questions you may have about the repair process.

Trust Ascent Roofing Solutions for Your Hail Damage Repair Needs

If your home has suffered hail damage, don’t hesitate to contact Ascent Roofing Solutions. Our skilled professionals are ready to guide you through the insurance claims process and provide the exceptional service and craftsmanship you deserve.
Call Us Today at (614) 280-1043 to schedule your roof inspection and take the first step toward restoring your home’s protection and beauty. With Ascent Roofing Solutions on your side, you can have peace of mind knowing that your hail damage repair needs are in expert hands.


How can I tell if my roof has hail damage?

Signs of hail damage include dents on metal flashing, cracked or missing shingles, and an accumulation of shingle granules in your gutters. However, it’s best to have a professional roofing contractor inspect your roof to assess the damage.

Will my insurance premium increase if I file a hail damage claim?

Filing a hail damage claim may impact your insurance premium, depending on your insurance company’s policies and your claims history. However, it’s important to prioritize the protection and longevity of your home by addressing any necessary repairs.

How long do I have to file a hail damage claim?

The timeframe for filing a hail damage claim varies by insurance company and state. It’s best to contact your insurance provider as soon as possible after the damage occurs to ensure you don’t miss any deadlines.

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