Hail and your Texas insurance

How homeowners policies typically handle hail

Most Texas homeowners policies cover hail damage, but many apply a separate wind/hail deductible. That deductible is often a percentage of your dwelling limit rather than a flat dollar amount, so on a 2% deductible the amount you pay out of pocket rises with the value of the home.

Roof terms matter just as much. Some carriers pay older roofs on an actual cash value basis, which subtracts depreciation, while others offer replacement cost. Some also offer different terms for impact-resistant roofing. Two quotes with similar premiums can respond very differently to the same storm, so we show you the deductible and roof settlement terms side by side.

After a hailstorm

Make sure everyone is safe, then photograph damage to the home and vehicles. Make reasonable temporary repairs, such as covering a damaged roof, to prevent further damage, and keep receipts.

Report the claim to your insurance company using the claims number on your policy or carrier app, and feel free to call us if you have questions about the process. Be cautious with contractors who go door to door after storms; get written estimates and check references before signing anything.

For vehicles, hail damage is typically covered under comprehensive, not collision or liability. If you carry liability only, hail damage to your own car usually is not covered.