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What Wind and Hail Coverage Actually Includes

Last updated October 25, 2026

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The short answer

What Wind and Hail Coverage Covers

Wind and hail coverage is a part of many homeowners insurance policies. It pays for repairs to your roof, siding, windows, and other parts of your home damaged by strong winds or hail. For example, if hail dents your metal roof or wind tears off shingles, this coverage can help with the repair costs.

It also extends to personal property inside your home. If hail breaks a window and rain soaks your furniture, or wind damages a fence, those items may be covered. However, the exact scope depends on your policy's terms. Policies vary, and your insurer decides what is covered.

  • Roof covering damage from hail or wind
  • Siding and exterior wall damage
  • Windows and glass breakage
  • Detached structures like a garage or shed
  • Personal belongings damaged by rain entering through wind-damaged openings

What Wind and Hail Coverage Excludes

Wind and hail coverage often has exclusions. Flood damage from rain is usually separate and requires flood insurance. If wind-driven rain enters through a closed window, some policies may not cover the water damage unless the window was damaged by wind first.

Wear and tear, or damage from lack of maintenance, is not covered. A roof that leaks because it is old might be denied. Also, some policies have a separate deductible for wind and hail claims, which can be higher than your standard deductible. Check your policy for these details.

How to File a Claim for Wind or Hail Damage

If a storm hits, document the damage before any repairs. Take photos of the roof, siding, and any broken items. This helps your claim process. Then contact your insurance company to start a claim. They will send an adjuster to assess the damage.

Make temporary repairs to prevent further damage, such as covering a hole with a tarp. Keep receipts for any materials you buy. Do not throw away damaged items until the adjuster has seen them. This documentation supports your claim and helps you get a fair assessment.

What to Do After Wind or Hail Damage

After a storm, check your property for damage. Look for missing shingles, dented siding, or broken windows. If you see water stains or leaks, act quickly to dry the area. Standing water can cause more damage, so remove it if you can do so safely.

For hidden moisture, a water damage inspection can help. If you suspect water has seeped into walls or under flooring, a moisture mapping service can locate it. If you live in Burnsville, consider contacting local water damage pros for an inspection to prevent mold growth.

How to Prepare for Wind and Hail Storms

Preparation can reduce damage. Trim tree branches near your roof, secure loose outdoor items, and reinforce your garage door. If you know a storm is coming, close windows and doors, and move vehicles under cover if possible.

Review your insurance policy before a storm hits. Understand your deductible and what is covered. If you have questions, ask your insurance agent. Keeping a home inventory of your belongings helps with claims. For severe damage, a structural drying service may be needed to dry out your home.

Water damage does not wait

Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.

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Frequently asked questions

Is wind and hail coverage required?

It depends on your lender and state. Many homeowners policies include it, but some areas require a separate windstorm policy. Check your mortgage requirements and your insurance policy to see if you have this coverage.

Does wind and hail coverage pay for a hotel if my home is damaged?

If your home is uninhabitable, additional living expenses may be covered, but that is separate from wind and hail coverage. Check your policy for loss of use coverage, which helps pay for temporary housing. Policies vary, and your insurer decides what is covered.

What if my roof leaks during a storm?

If the leak is from wind damage, it may be covered. But if it is from wear and tear, it likely is not. Document the damage and contact your insurance company. A professional inspection can determine the cause.

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