Standard homeowners insurance usually covers hail damage to houses, detached structures, belongings, and temporary living costs if a storm makes home unsafe.
Some policies in storm-prone areas exclude wind and hail, so owners may need a separate policy, an add-on, or state last-resort coverage.
Wind and hail claims can carry their own deductible, often based on a home's insured value instead of a flat dollar amount.
Large hail may become more frequent, increasing risk to roofs because even impact-resistant materials are not built for hailstones over 2 inches.
Upgrade aging roofs with more hail-resistant materials, inspect roofs regularly, trim trees, secure windows and outdoor items, and keep cars under cover before storms.