Does Home Insurance Cover Hail Damage?

Hail can cause a lot of damage to your home. It can leave dents or dings on your roof, siding or even break windows. At CO Insurance Specialist, serving the greater Wheat Ridge, CO area, we are often asked if hail damage is covered by your home insurance policy. Here is what you need to know. 

Does Home Insurance Cover Hail Damage?

Home insurance policies do typically cover hail damage that is caused by storms. However, it is important to carefully read through your policy to ensure that it is not excluded. As long as it is not specifically excluded, hail damage may be covered. 

When Does Home Insurance Cover Hail Damage?

Home insurance will typically cover hail damage as long as your property is well-kept and cared for. If the hail left behind dents or dings, they the repairs will typically be covered by home insurance. 

When Does Home Insurance Not Cover Hail Damage?

Home insurance will not cover hail damage is the damaged item was in poor condition. For example, if your roof is already at the end of its lifespan, hail damage may not be covered because you need to replace your roof anyhow, or because the damage would not have been as severe if the roof was in good condition. 

Having the right home insurance policy is important, as it helps to protect your home against various types of incidents. It is recommended that you take a look at your home insurance policy every couple of years to make sure the policy still works for you. If you haven’t looked at your policy in some time, now would be a great time to take a look. Bring it with you to CO Insurance Specialist, serving the greater Wheat Ridge, CO area and let us help you determine whether your policy still meets your needs or whether a new policy would be a better fit for you.