Impact to Recovery:
Your Pathway Through Hail Damage Claims

Whether you’re dealing with a sudden hailstorm, damaged roofing, or extensive property damage, we’re here for you. Our team understands the complexities of hail damage and the ins and outs of insurance claims.

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Hail Damage and Insurance Coverage

Understanding the specifics of your insurance policy can be pivotal when dealing with hail damage. With a variety of endorsements and exclusions potentially affecting your coverage, it’s important to know what is and isn’t covered before a hailstorm hits. From cosmetic damage to matching your siding or shingles, having comprehensive knowledge of your policy can prepare you for any situation and help ensure you receive the compensation you’re entitled to following a hailstorm. A few items to consider when selecting coverage for your property:

Cosmetic Damage Exclusion

Insurance carriers sometimes exclude cosmetic damage from coverage. In the context of hail damage, this means that dents, dings, or other damage that affects the appearance of your home but doesn’t impact its functionality may not be covered by your policy. While this might seem reasonable at first glance, the definition of what is “cosmetic” versus “functional” damage can sometimes be a gray area.

For example, what if hail causes small, seemingly superficial dents in your roof? On the one hand, the roof still performs its essential function — it keeps rain, snow, and wind out of your home. However, these dents may compromise the integrity of your roofing materials over time, leading to leaks or other more severe damage down the line.

In cases where there’s a disagreement between a policyholder and their insurance carrier over what constitutes “cosmetic” versus “functional” damage, it may be necessary to bring in a third party for an independent assessment. Structural engineers, public adjuster, roof inspectors, or other specialists can provide expert opinions on the potential for future functional damage resulting from what initially appears to be cosmetic damage.

Moreover, in some situations, cosmetic damage could significantly affect the value of your property, which could be another point of contention in the claim process. Be sure to keep these factors in mind when reviewing your policy’s cosmetic damage exclusion and consider getting a second opinion if you feel the insurance company’s assessment of the damage is not accurate.

Hail & Windstorm Deductible

Some insurance policies have specific deductibles for windstorm or hail damage, which may be higher than the standard policy deductible. Understanding these deductibles is key, as they represent the amount you will be responsible for paying out of pocket before your insurance coverage kicks in. If you’re unsure about your current policies deductibles, our team can provide a free policy review to outline your coverage and deductibles should damage occur in the future.

Matching Siding & Shingles Coverage

In the event of a hailstorm, part of your property’s siding or roofing may be damaged while the rest remains intact. Some policies have “matching” exclusions and will only pay to replace the damaged portions, leading to a mismatch in color or style. Other policies may cover the cost of replacing undamaged siding or shingles to ensure a consistent appearance.

Roof Replacement Coverage

Depending on the age and condition of your roof, some policies may only cover the depreciated value of the roof rather than the cost of a full replacement. Be sure to understand whether your policy offers Replacement Cost Value (RCV) or Actual Cash Value (ACV). Learn more about the difference in our article: Understanding Recoverable Depreciation: RCV and ACV Policies Explained

Roof Surface Exclusion

The roof surface exclusion is an important clause to consider in your insurance policy. It refers to certain roofing materials that may not be covered under your policy, usually because these materials are considered more susceptible to hail damage or are more expensive to replace. These materials often include slate, tile, wood, or other high-end roofing options.

While these materials offer many benefits such as durability and aesthetic appeal, their susceptibility to damage from elements like hail might result in their exclusion from insurance coverage. This is because the cost to repair or replace these materials can be significantly higher than conventional roofing materials. Therefore, it is crucial for policyholders with these types of roofs to be aware of this potential exclusion and ensure their insurance policy provides adequate coverage to avoid unexpected out-of-pocket expenses in the event of a hailstorm.

Other Structures Coverage

This coverage extends to structures on your property not attached to your house, like detached garages, sheds, or fences. Not all policies automatically include this, so check to ensure you have protection for all property structures.

No Small Matter

The Significant Impact of Hail Size on Damage

The size of hailstones greatly influences the extent of property damage. It’s crucial to understand the relationship between hail formation, size and potential damage for post-storm assessments and insurance claims. For a deeper dive into how hail size impacts damage, check out our recent blog post: “The Impact of Hail: Understanding Size, Formation, and Damage”.

Learn More


After the Storm:

A Checklist for Assessing Hail Damage

Assessing your property immediately after a hailstorm is an important step in the claims process. This allows you to determine the extent of the damage and prepares you to present a comprehensive report to your insurance provider. The following checklist will guide you in identifying signs of significant hail damage on your property.

  1. Check Surrounding Areas: Look for signs of hail damage in the area surrounding your property. This may include broken branches or leaves stripped from trees. These are often good indicators of the severity of a recent hailstorm.
  2. Examine HVAC Units: HVAC units, particularly their condenser coils, are prone to hail damage. Look for dents or other signs of impact on the metal surfaces.
  3. Inspect Trim and Siding: The trim and siding on your property can show signs of hail damage. Look for dents, cracks, or chipped paint.
  4. Look at Windows and Screens: Hail can break windows and damage window screens. Even if windows are not broken, look for cracks or chips that could lead to problems later.
  5. Assess Roof Damage: Roofs often take the brunt of hailstorms. Depending on the material, signs of damage may include dents, cracks, or missing shingles. For safety, hire a professional for this task, or reach out to our team for a free inspection of your property.
  6. Check Vehicles and Outdoor Furniture: If vehicles or outdoor furniture were left outside during the storm, they could show signs of damage. This can give you an indication of the storm’s intensity.
  7. Document Damage: Use a camera or smartphone to take pictures of any damage you find. This will be useful when you report the hail event to your insurance company.

Remember, safety is always the first priority when assessing hail damage. If you’re uncertain about any aspect of this process, consider hiring a professional to conduct the assessment.


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Hailstorm Chaos into Clarity:
Reach Out to Our Team

When hail strikes, navigating the aftermath can feel overwhelming. That’s where our team comes in. If you have questions about your hail damage claim, need an inspection of your property, or have inquiries about your insurance policy, don’t hesitate to reach out. We’re equipped with the knowledge and experience to help you understand your coverage, assess your damages accurately, and guide you every step of the way through your claim process.

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