Posted by : Colby Stockton

Hailstorms are a force of nature that can wreak havoc on vehicles, homes, and businesses alike. From tiny dents to shattered windshields, the aftermath of a hailstorm can be costly and stressful.

One of the most pressing questions homeowners and vehicle owners face after such an event is whether insurance will cover the damage. In this comprehensive guide, we’ll aim to answer that question by delving into:

The nuances of hail damage
Its signs
Risks associated with different hail sizes
Repair methods
Insurance coverage
The potential costs of repairing hail damage out of pocket

Does insurance cover hail damage? Keep reading to find out!

Common Signs of Hail Damage

Detecting hail damage can sometimes be tricky, especially if the hailstones were small or if the damage is not immediately apparent. Here are some common signs to look out for:

Dents: Hail can leave behind dents of various sizes on vehicles, roofs, and siding. These dents may be subtle and difficult to notice at first glance.
Cracks: Larger hailstones can cause cracks in windows, windshields, and skylights.
Missing or broken shingles: Hail can dislodge or break roofing shingles, leaving the underlying structure vulnerable to leaks.
Bruising: Bruising on soft materials like aluminum siding or gutters can indicate hail damage.
Water leaks: Hail damage to roofs or windows can lead to water leaks inside buildings.

The Risk of Different Sizes of Hail:

Hailstones come in various sizes, ranging from pea-sized to as large as softballs. The size of the hailstones significantly impacts the extent of damage they can cause:

Pea-sized hail (1/4 inch or less): While small hail may not cause significant damage to sturdy structures, it can still dent vehicles and damage delicate plants.
Golf ball-sized hail (1.75 inches): Hail of this size can cause substantial damage to vehicles, windows, and roofs. It can also pose a danger to individuals caught outdoors.
Softball-sized hail (4.5 inches or more): Extremely large hailstones can cause catastrophic damage, shattering windows, demolishing roofs, and rendering vehicles inoperable.

How to Repair Hail Damage in 4 Steps

Repairing hail damage depends on the extent and type of damage incurred. Here are some common repair methods:

1) Paintless Dent Repair (PDR):

PDR is a technique used to repair minor dents caused by hail without the need for repainting. Skilled technicians manipulate the dented metal back into its original shape, preserving the vehicle’s factory finish.

2) Windshield Replacement

If hail cracks or shatters your windshield, it will likely need to be replaced entirely to ensure structural integrity and driver safety.

3) Roof Repair or Replacement

Damaged roofing materials should be replaced promptly to prevent water leaks and further structural damage. Depending on the extent of the damage, a partial or complete roof replacement may be necessary.

4) Siding Repair

Hail-damaged siding may require individual panel replacement or patching to restore the aesthetic and protective properties of the exterior.

Does Insurance Cover Hail Damage Repairs?

Whether insurance covers hail damage repairs depends on the type of insurance policy you have and the extent of the damage. Here’s what you need to know:

Comprehensive Auto Insurance: If you have comprehensive coverage as part of your auto insurance policy, it will likely cover repairs for hail damage to your vehicle. However, you may be responsible for paying a deductible before coverage kicks in.
Homeowners Insurance: Most standard homeowners insurance policies include coverage for hail damage to your home’s structure and personal belongings. Again, you’ll typically need to pay a deductible before insurance covers the cost of repairs.
Deductibles: It’s essential to review your insurance policy to understand your deductible amount and coverage limits for hail damage. In some cases, the cost of repairs may be lower than your deductible, making it more cost-effective to pay out of pocket.
Exclusions: Some insurance policies may have exclusions or limitations for hail damage, especially in areas prone to frequent hailstorms or severe weather. Review your policy carefully and consider purchasing additional coverage if necessary.

The Cost to Repair Hail Damage Out of Pocket:

The cost of repairing hail damage out of pocket can vary widely depending on the extent of the damage and the type of repairs needed. Here are some factors to consider:

Severity of Damage

Minor dents or scratches may be relatively inexpensive to repair, especially if paintless dent repair techniques can be used. However, extensive damage requiring roof or windshield replacement can be much costlier.

Type of Materials

The cost of materials and labor for repairs can vary based on the type of vehicle, roofing materials, or siding involved. High-end vehicles or specialty roofing materials may incur higher repair costs.

Professional vs. DIY Repairs

While some minor hail damage repairs can be attempted DIY, it’s often best to leave more extensive repairs to professionals to ensure quality and safety. Professional repair costs will factor into the overall expense.

Geographic Location

Repair costs may also be influenced by your location and local market rates for labor and materials. Areas prone to frequent hailstorms may have more experienced repair professionals but could also see higher demand for services during peak storm seasons.

Professional Hail Damage Repair

Hail damage can be a significant source of frustration and financial burden for homeowners and vehicle owners alike. Understanding the signs of hail damage, the risks associated with different hail sizes, and the options for repair and insurance coverage is crucial for mitigating the impact of hailstorms. By being proactive and prepared, you can navigate the aftermath of a hailstorm with confidence, knowing whether insurance has you covered and what to expect in terms of repair costs.

At Highroad Roofing, we’re here to help you through the hail damage claim process, providing superior exterior repairs on your home. Contact us today to get started!