Does Texas Homeowners Insurance Cover Hail and Wind Damage? 

A single hailstorm can leave homeowners facing roof repairs, broken windows and damaged siding, all without warning. For families in storm-prone areas, the financial exposure from wind and hail damage can be significant. Understanding what your homeowners policy can cover before a storm rolls through can make the difference between a smooth claims process and an unexpected financial burden.

Understanding Wind and Hail Coverage

Homeowners insurance policies typically include coverage for wind and hail damage, such as:

• Roof damage from hail impact or wind-driven debris
• Broken windows and damaged siding
• Fencing and attached structures like carports or covered patio
• Interior damage caused by a breach in the home’s exterior

The Role of Separate Deductibles

Some policies may include a separate wind and hail deductible, which may be calculated differently from the standard deductible on your policy. Rather than a flat amount, this deductible is often expressed as a percentage of your home’s insured dwelling value (Coverage A), usually ranging from 1% to 5%. For example, if your home is insured for $300,000 and you have a 2% wind/hail deductible, you would be responsible for the first $6,000 of a storm-related claim.

Your out-of-pocket costs before coverage kicks in can be higher than you might expect if you have only reviewed your standard deductible.

Cover Your Home Before the Next Storm

Late-summer storm season is the right time to review your coverage. Contact Lone Star Insurance Agency today to go over your policy, understand your deductibles and request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.