Does insurance cover hail damage?

When it comes to unpredictable weather events, hailstorms rank high on the list of concerns for homeowners and car owners alike. The damage caused by hail can be devastating, from dented roofs to shattered windows, leaving many wondering: does insurance cover damage against hail? 

The short answer is yes, in most cases. However, the extent of coverage and the specifics of the policy can vary widely. In this blog post, we will delve into the details of how hail damage is typically covered by different types of insurance, what homeowners and car owners should know, and tips for filing a successful claim.

Understanding hail damage and its impact

Hailstones can range in size from tiny pellets to large, golf ball-sized chunks of ice, and when they fall from the sky, they can cause significant damage to property. The most common types of hail damage include:

• Roof damage: Hailstones can bruise, crack, or puncture roofing materials, leading to leaks and water damage.
• Window damage: Glass windows can shatter or crack under the impact of large hailstones.
• Siding and exterior damage: Siding, gutters, and other exterior elements can be dented or damaged by hail.
• Vehicle damage: Cars left outside during a hailstorm can suffer dents, broken glass, and even paint damage.

Given the potential for extensive damage, having insurance that covers hail is crucial for protecting your property and minimizing out-of-pocket expenses.

After the storm: What to do first

The aftermath of a hailstorm can be chaotic, but it’s crucial to act quickly to document the damage and start the claims process. Here are the immediate steps you should take:

1. Ensure safety: Before anything else, make sure it's safe to be on your property. Check for hazards such as broken glass, downed power lines, or structural damage.
2. Document the damage: Take clear, detailed photos of all damage to your home, car, or business. This will be critical when you file your insurance claim.

Contact your insurance representative: As soon as possible, contact your insurance representative to report the damage. They can guide you through the next steps and help you understand your coverage.

Does insurance cover hail damage? What’s included?

Hail damage is generally covered under standard home insurance and business insurance policies. Here’s a breakdown of what you can expect:

Home and business insurance and hail coverage

Most standard home insurance policies cover damage caused by hail. With business policies, you’ll typically be covered if you have commercial property coverage. This includes:

• Structural damage: Hail can cause significant damage to your home or business’s roof, windows, siding, and other structures. Your insurance should cover repairs or replacements for these damages.
• Water damage: If hail damages your roof or windows and water enters your home as a result, this water damage is typically covered. However, pre-existing damage or maintenance issues may not be covered.
• Contents coverage: If your personal belongings inside the home or business are damaged due to hail, such as water entering through a damaged roof, your policy may cover the replacement or repair of these items.

However, there are some important considerations:

• Mobile homes and trailers: If you live in a mobile home or use a trailer for business purposes, hail damage may be covered under your policy. It’s important to confirm this with your insurance representative.

Exclusions: Some policies might exclude coverage for cosmetic damage, such as minor dents or scrapes that don’t affect the function of your roof or siding. It’s crucial to review your policy or speak to your insurance agent to understand the specifics.

Does home insurance cover additional living expenses for hail damage?

If your home is uninhabitable due to hail damage, most homeowner insurance policies include coverage for additional living expenses (ALE). This coverage helps pay for temporary housing and other necessary expenses while your home is being repaired. ALE typically covers:

• Temporary accommodation: The cost of staying in a hotel or rental while your home is being repaired.
• Increased living costs: Any additional expenses incurred because you can’t live in your home, such as increased commuting costs or meals.
• Mass evacuation: In some cases, if you’re forced to evacuate due to widespread damage in your area, your policy might cover the costs associated with the evacuation, even if your home isn’t directly damaged.

It’s important to note that ALE coverage has limits, both in terms of duration and amount. Be sure to check with your insurance representative to understand what your policy provides.

Vehicle insurance and hail coverage

Not all auto insurance policies cover hail damage, so it’s important to ensure that you have the right coverage.

• Comprehensive coverage: Hail damage to vehicles is generally covered under comprehensive auto insurance. This is an optional coverage in most provinces, but it’s essential if you live in a hail-prone area. Comprehensive coverage will pay for repairs to your vehicle or, in the case of a total loss, compensate you for the vehicle’s replacement cost or actual cash value (depending on your policy).
• Deductibles: When filing a claim, remember that you will need to pay a deductible. The amount can vary depending on your policy, so it’s wise to choose a deductible that balances cost and coverage.

Tips for filing a successful hail damage claim

Whether you’re dealing with damage to your home or your car, filing a hail damage claim can be a daunting process. Here are some tips to help ensure your claim is processed smoothly:

1. Document the damage: Take clear, detailed photos of the damage as soon as it’s safe to do so. This documentation will be crucial when filing your claim.
2. Review your policy: Before filing a claim, review your insurance policy to understand your coverage, limits, and deductibles. This will help you manage expectations and avoid surprises.
3. Act quickly: Most insurance policies require you to report damage within a specific time frame. Don’t delay in contacting your insurance company to start the claims process.
4. Get multiple repair estimates: For significant repairs, it’s wise to get multiple estimates from reputable contractors or auto repair shops. This can help ensure you receive a fair payout from your insurer.
5. Keep records: Keep all receipts, estimates, and communication with your insurance company. This paperwork will be important if there are any disputes or issues with your claim.

Preventing hail damage

While insurance can provide financial protection, preventing hail damage in the first place is always preferable. Here are some steps you can take:

• Roof maintenance: Regularly inspect and maintain your roof to ensure it’s in good condition. Consider installing impact-resistant roofing materials if you live in an area prone to hail.
• Protect your windows: Use storm shutters or impact-resistant windows to reduce the risk of glass breakage.
• Secure your car: If possible, park your car in a garage or under a carport during a hailstorm. If you’re caught in a storm while driving, seek shelter under an overpass or in a covered parking area.

Additional resources for hail insurance in Canada

If you’re unsure about your coverage or need assistance after a hailstorm, there are resources available to help:

• Insurance Bureau of Canada (IBC): The IBC offers consumer information and can help answer questions about your insurance coverage. You can contact their Consumer Information Centre at 1-844-2ask-IBC (1-844-227-5422) or reach out to your regional IBC office via email.
• Emergency management organizations: In the event of a severe weather event, local emergency management organizations, like the Red Cross, can provide additional support and resources.

The bottom line

Hailstorms can cause significant damage, but with the right insurance coverage, you can protect your home and vehicle from the financial impact. Homeowners insurance and comprehensive auto insurance both provide coverage for hail damage, but it’s crucial to understand the specifics of your policy, including any exclusions or special deductibles. By taking preventive measures and being prepared to file a claim, you can minimize the stress and expense of dealing with hail damage. If you’re unsure about your coverage, now is a good time to review your policies and make any necessary adjustments to ensure you’re fully protected when the next storm hits.

Also read: 

• Canadian wildfires: The impact on the insurance industry 
• Will Your Insurance Cover Fallen Tree Damage?
• Home inventory: why you need to create one