Is Spring Storm Damage Caused by High Winds and Hail Storms Covered by Homeowner’s Insurance?

2/2/2022 (Permalink)

You never know when a severe thunderstorm is going to hit, especially in late spring. The sky can turn ominous and the wind can move in quickly. So it’s best to be prepared for these kinds of storms and the potential damage they can cause your property. While it’s not likely your home will be struck by lightning, high winds and hail are the main culprits of storm-related property damage in the spring. 

High winds can blow objects at high speeds onto your roof. Wind can get under loose shingles leaving your roof vulnerable to further wind and water damage. Hail can also damage your shingles, not to mention your windows and siding. 

If any of this damage occurs, the question becomes, “Is storm damage caused by high winds and hail covered by homeowner’s insurance?” 

Usually, the answer is yes. But we recommend checking with your insurance agent to make certain your home is covered for wind and hail damage. Typically homeowner’s insurance policies will cover wind and hail damage to the roof and siding of your home when they are caused by a thunderstorm, tornado, hurricane, hailstorm. But, again, check your homeowner’s insurance policy, as policies can differ based on provider and the type of policy.