How Hail Storms Can Damage Your Home and Car (And How to Protect Yourself)

Hail storms can strike fast and leave behind serious damage in just minutes. From dented vehicles to costly roof repairs, hail is one of the most common and expensive weather-related insurance claims in the United States. Understanding the risks and knowing how to prepare can save you thousands in repairs and help you avoid unnecessary stress.

What Damage Can Hail Cause?

Hailstones vary in size from small pellets to golf ball-sized chunks of ice, and even the smaller ones can cause significant issues.

🚗 Vehicle Damage

Hail can leave dents across your hood, roof, and trunk, crack windshields, and damage mirrors or lights. In severe storms, repairs can cost thousands, especially if multiple panels are affected.

🏠 Roof Damage

Your roof takes the biggest hit during a hail storm. Shingles can crack, loosen, or lose their protective granules. Over time, this can lead to leaks, mold, and structural issues if not addressed.

🪟 Windows and Siding

Strong hail can crack windows, dent siding, and damage exterior features like gutters, downspouts, and shutters.

🌿 Outdoor Property

Patio furniture, decks, HVAC units, and landscaping can all suffer damage during a storm.

How to Protect Your Home and Vehicle from Hail

While you can’t stop a hail storm, you can take steps to reduce the damage.

✔ Park Smart

If a storm is forecasted, move your vehicle into a garage or under a covered structure. No garage? Even temporary car covers or parking near sturdy structures can help reduce impact.

✔ Upgrade Your Roof

Impact-resistant roofing materials are designed to better withstand hail. If you live in an area prone to storms, this can be a worthwhile investment.

✔ Secure Outdoor Items

Bring in or tie down patio furniture, grills, and decorations before a storm hits.

✔ Install Storm Protection

Consider storm shutters or impact-resistant windows to protect your home’s exterior.

✔ Stay Informed

Keep an eye on weather alerts so you have time to prepare before a storm arrives.

Does Insurance Cover Hail Damage?

Most standard homeowners and auto insurance policies do cover hail damage, but coverage can vary.

• Auto Insurance: Hail damage is typically covered under comprehensive coverage (not liability only).
• Home Insurance: Usually covers roof, siding, and other structural damage caused by hail.

However, deductibles, coverage limits, and exclusions may apply. That’s why it’s important to review your policy regularly.

What To Do After a Hail Storm

If your property is hit by hail, act quickly:

1. Inspect your home and vehicle for visible damage
2. Take photos for documentation
3. Prevent further damage (like covering broken windows)
4. Contact your insurance agent to start a claim
5. Protect What Matters Most

Hail storms are unpredictable, but your protection doesn’t have to be. Having the right insurance coverage in place ensures that when the unexpected happens, you’re not left paying out of pocket.

At Kelly Insurance, we help you understand your coverage and make sure you’re protected from life’s sudden storms.

👉 Need a policy review? Contact our team today and make sure you’re covered before the next storm hits.

FAQs About Hail Damage and Insurance

Does hail damage always require a claim?
Not always. Minor damage may cost less than your deductible, but it’s still smart to document it.

How can I tell if my roof has hail damage?
Look for missing granules, dents, or soft spots. A professional inspection is often recommended.

Will filing a hail claim raise my premium?
It depends on your insurer and claim history, but weather-related claims are often treated differently than at-fault claims.

How long do I have to file a hail damage claim?
This varies by policy, but it’s best to file as soon as possible after the storm.