Hail Damage Insurance Claims

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Hail Damage Insurance Claims

Did you know that hail damage is one of the most common homeowners insurance claims? They generally account for almost 70 percent of insured property losses. Hailstones usually have a diameter of about one-quarter inch and weigh a few ounces. But, now and then, they can reach the ground as large as six inches in diameter. As well as weighing over a pound each. However, hailstones don’t have to get to these extremes of size and weight to cause severe damage. And meanwhile hail damage can be extensive and expensive, in most cases, your standard homeowners insurance policy will usually cover the damage.

Luckily, most policies cover structural property damage from perils such as hail, including coverage for your roof, windows, garage, appliances, porch, or deck. Nevertheless, the actual amount that will be covered for repairs depends on the limits and deductibles you chose when you purchased your policy. So what should you know about hail damage insurance claims? Find out down below.

What Type of Insurance Do I Need to Cover Hail Damage?

The type of insurance you need depends on what you want to insure and where you live. For example, home insurance pays to repair or replace your house if it’s damaged or destroyed by certain covered perils, such as fire and wind. Furthermore, homeowners insurance also covers personal property such as your furniture, clothes and other items you own.

Moreover, if you have Loss of Use Coverage, also known as Additional Living Expenses, your policy will cover some of your expenses if you have to temporarily move because your house is too damaged to live in. For instance, some of the expenses covered by Loss of Use are temporary rent and extra meal costs. Likewise and most important, standard home insurance is meant to cover hail damage in any case.

Besides helping businesses repair or replace property that’s damaged by an event covered by the policy, commercial property insurance could also cover hail damage depending on the circumstances. This includes farms and ranches. In fact, business interruption coverage may pay for lost income and some expenses if you have to close your business because of hail damage.