Updated April 14, 2026 · AmFam Team

Does insurance cover hail damage?

Hailstones falling in front of a house during a storm.

If you have homeowners insurance, you may be wondering if it covers hail damage. In many cases, it does. Your homeowners insurance can help cover the cost of repairs or replacements after a hailstorm. Whether it affects your roof, siding or windows, your home insurance is designed to keep you worry-free from unexpected expenses due to hail damage.

How does homeowners insurance cover hail damage?

Typically, the dwelling coverage on your homeowners insurance helps pay to repair or replace parts of your home damaged by hail. You’ll still need to pay your deductible before coverage begins, so it’s helpful to keep that in mind when deciding whether to file a claim. If the cost to repair the damage is lower than your deductible, it may make sense to handle the repairs on your own.

a person holding a piece of hail against a roof

Additional homeowners coverage to protect from hail damage

While your base homeowners insurance policy can help with many of the costs associated with repairing hail damage, you may want to consider adding a few other types of additional coverages to round out your protection.

Roof replacement cost coverage

Your homeowners policy typically covers storm damage to your roof at its actual cash value (ACV), which reflects its current value based on age, condition and materials. If you experience a covered loss, roof replacement cost coverage can pay the replacement cost value (RCV), or what it costs to replace your roof. This can help you cover more of the cost of a replacement roof.

Matching siding coverage

Your homeowners insurance usually covers siding that is directly damaged by hail. This can sometimes leave you with new siding that doesn’t match the rest of your home if your existing siding isn’t available. Matching siding coverage, available for metal or vinyl siding, helps address that. If a close match can’t be found, this coverage can help replace the remaining siding, up to your coverage limit.

Other structures coverage

Your base policy often includes coverage for detached structures like a shed or fence. Larger structures such as sheds over 300 square feet or swimming pools, may need to be scheduled with other structures coverage if they’re damaged by hail.

Does liability insurance cover hail damage?

No, liability insurance helps to cover legal expenses and settlement costs if someone is injured on your property and you are found responsible. Hail is considered a weather event, so it generally would not fall under liability coverage.

How much does insurance pay for hail damage?

Your home insurance policy is there to support if hail damages your home. If your claim is approved, your policy can help cover repairs or replacement up to your coverage limits. Your deductible will apply first.

It’s a good idea to review your coverage limits occasionally to make sure they still reflect your home and your needs. We can help you take a closer look if you have questions.

Hail insurance claims process

If your home has been damaged by hail, you’ll want to file a claim as soon as possible. With American Family Insurance, you have a few options for how to file a homeowners insurance claim:

File a claim in My Account
File a claim with the MyAmFam app
Call our Claims Customer Care Center at 1-800-MYAMFAM (1-800-692-6326)

Once your claim is submitted, a representative will coordinate an inspection. An adjuster will visit your home, review the damage and help determine how your coverage applies.

Hail safety and protection tips

While your homeowners insurance helps protect your home, taking a few simple precautions can help you and your family stay safe during a hailstorm. If hail is in the forecast, it’s a good idea to be indoors before the storm arrives and to give windows and skylights some space in case of impact. If you can, moving your car into a garage or under a covered area can also help protect it.

Hail damage can be unpredictable and expensive to repair. Make sure you’re covered for storms by connecting us to review your policy.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.