Hail Damaged Your Roof? Here's What Insurance Will—and Won't—Cover
If a hailstorm has damaged your roof, you're probably wondering if your homeowners insurance will cover the repairs or replacement. The good news is that most insurance policies do cover hail damage, but the amount you receive depends on your policy, the extent of damage, and how you handle the claim process.
Homeowners across North Carolina, South Carolina, and Georgia face hailstorms every year, with cities like Charlotte, Raleigh, Columbia, Augusta, and Savannah experiencing millions of dollars in hail-related roof damage. Understanding how insurance works can help you get the most coverage possible for your repairs.
Does Homeowners Insurance Cover Hail Damage?
Most standard homeowners insurance policies cover hail damage, but coverage depends on:
- Your policy's terms – Some policies cover full roof replacement, while others only pay for repairs.
- The age of your roof – Older roofs may receive less payout due to depreciation.
- Your deductible – You must pay a portion of the repair cost before insurance covers the rest.
- Claim timing – Filing quickly after a storm is crucial, as waiting too long could lead to denial.
What Insurance Will Cover for Hail Damage
If your claim is approved, your insurance will typically cover:
- ✅ Shingle replacement for damaged, cracked, or missing shingles
- ✅ Roof decking repairs if hail caused structural damage
- ✅ Flashing and sealant repairs to prevent leaks
- ✅ Full roof replacement if damage is severe
What Insurance Won't Cover
Insurance will not cover:
- ❌ Normal wear and tear – If your roof was already old or failing, you may not get full coverage.
- ❌ Pre-existing damage – Damage that existed before the hailstorm won't be covered.
- ❌ Poor maintenance issues – If neglect caused leaks, the claim may be denied.
How to File a Hail Damage Insurance Claim
Step 1: Inspect Your Roof for Damage
After a hailstorm, check for:
- Dented or missing shingles
- Granules collecting in gutters
- Leaks or water stains inside your home
If you see any of these signs, schedule a professional inspection immediately.
Step 2: Document the Damage
Take clear photos and videos of:
- Roof damage
- Hailstones (if they are still present)
- Siding, gutters, or window damage
Step 3: Contact Your Insurance Company
- Report the hailstorm and your roof damage.
- Submit your photos and roofer's inspection report.
- Schedule an adjuster visit for assessment.
Step 4: Get a Professional Roofer to Work with Your Insurance Adjuster
Many insurance companies try to minimize payouts, so working with a roofer who understands insurance claims can help you get the full amount you're owed. MTM Roofing Systems works directly with insurance adjusters to ensure you get proper coverage for repairs or a full replacement.
How Hailstorms Have Impacted Roofs in the Southeast
Hailstorms have caused major roof damage across the region in recent years:
- April 2021 – A massive hailstorm in Greensboro, NC, led to thousands of roof claims.
- June 2022 – Hail up to 2 inches in diameter struck Columbia, SC, damaging homes and businesses.
- March 2023 – A severe storm in Atlanta, GA, caused over $400 million in insured losses, mostly from roof damage.
If you live in Charlotte, Charleston, Augusta, or Savannah and your home was hit by a recent hailstorm, you may qualify for an insurance-covered roof replacement.
Get a Free Hail Damage Inspection and Insurance Claim Assistance
If your roof has hail damage, don't wait until leaks appear. MTM Roofing Systems specializes in:
- ✅ Hail damage inspections
- ✅ Insurance claim assistance
- ✅ Full roof replacements covered by insurance