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Is Hail Damage Covered by Homeowners Insurance?

Last updated October 26, 2026

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The short answer

What Hail Damage Typically Includes

Hail can dent metal roofs, crack asphalt shingles, break windows, and damage siding. These are considered sudden, accidental events, which most standard homeowners policies cover. You may also see damage to gutters, skylights, and outdoor AC units.

However, coverage is not automatic. Some policies exclude certain types of roofs or require that damage be visible and documented. If your roof is older or already worn, the insurer might argue the damage was pre-existing. Review your policy declarations page to understand your deductibles and limits.

  • Dented or cracked roof shingles
  • Broken or shattered windows
  • Damaged siding or gutters
  • Dented metal surfaces like AC units
  • Interior water stains from roof leaks

How to Document Hail Damage

Document the damage thoroughly before any repairs. Take photos and videos of every affected area, including close-ups of dents, cracks, and missing shingles. Note the date and time of the storm. Keep any receipts for temporary repairs, like tarping a leaky roof.

Proper documentation helps your claim process go more smoothly. You can also have a professional inspection done to identify hidden damage, such as leaks in the attic or wall cavities. This evidence supports your claim and helps you get a fair assessment.

  • Photograph all visible damage from multiple angles
  • Note the storm date and weather conditions
  • Keep receipts for any emergency repairs
  • Check attic and ceilings for water stains
  • List every damaged item, including outdoor furniture

Filing a Claim for Hail Damage

Contact your insurance company as soon as you notice damage. They will likely send an adjuster to inspect your property. Be present during the inspection and point out all damage you've documented. Ask questions about what is covered and what your deductible will be.

If water entered your home, address that immediately to prevent further damage. Drying out wet areas and removing soaked materials is urgent. You can start cleanup, but keep records of what you do. Your insurer will want to see that you took reasonable steps to protect your home.

When Hail Damage Leads to Water Damage

Hail can create openings in your roof, allowing rain to enter. That water can soak insulation, drywall, and wooden structures. If you have water inside, act quickly to dry the area and prevent mold growth. Use fans and dehumidifiers if you have them, and move furniture away from wet walls.

Water damage from a storm is often covered under the same policy, but it depends on your specific coverage. Some policies have separate deductibles for wind and hail versus water. Check your policy documents and ask your insurer about the details.

Getting Professional Help After Hail

After a hail storm, you may need help assessing the full extent of the damage. Local water damage pros can inspect your property, including areas you can't see, like behind walls or under roofing. They can also document the damage for your claim.

If you have water intrusion, professional drying and cleanup is often necessary to prevent long-term issues. A water damage inspection service can identify hidden moisture and help you understand the scope of repairs. This is especially important in a humid climate like St. Petersburg, where mold can grow quickly.

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Frequently asked questions

Does hail damage always require a separate deductible?

Not always. Some policies have a single deductible for all storm damage, while others have a separate wind and hail deductible. Check your policy documents or ask your insurer. The deductible amount can vary based on your roof's age and the policy terms.

What if my roof was already old before the hail storm?

Your insurer may consider the age and condition of your roof when deciding coverage. If the roof was worn, they might only pay for the actual cash value, not the full replacement cost. Document the damage and be prepared to show the storm caused new damage.

Can I fix hail damage myself and then file a claim?

You can make temporary repairs to prevent further damage, like tarping a hole, but permanent repairs should wait until your insurer inspects the property. If you fix everything first, the adjuster may not be able to verify the damage, which could affect your claim.

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