Does homeowners insurance cover hail damage in Missouri?
Yes, in most cases. Hail is a covered peril on standard Missouri homeowners policies, so the insurer pays to repair or replace damaged roofing, siding and gutters after your deductible. Check for a separate wind and hail deductible and report damage promptly.
What is usually covered
Standard homeowners policies list hail as a named, covered peril. That typically includes:
- Roof shingles, underlayment and flashing damaged by hail
- Gutters, downspouts, vents and skylights
- Siding, window screens and sometimes window glass
- Interior damage from water that came in through hail damage
What can reduce a payout
Deductibles. Some policies have a separate wind and hail deductible, often a percentage of your dwelling coverage rather than a flat amount. Look at your declarations page.
Actual cash value roof coverage. Some policies pay a depreciated value for older roofs instead of full replacement cost.
Cosmetic damage exclusions. Some policies exclude dents that do not affect function, such as on metal roofing.
Late reporting. Policies require prompt notice. Waiting a long time gives an insurer grounds to question whether damage came from that storm.
How to tell if you have hail damage
Look for dents on gutters, downspouts, roof vents and the fins of your AC unit, and for shingle granules at downspout outlets. Damage on the roof itself is hard to see from the ground. A free inspection is the safest way to know. See how our hail inspections work.
How the claim goes
- Get an inspection and photos of the damage.
- Report the claim to your insurer.
- An adjuster inspects. Have your contractor there.
- The insurer approves a scope. You pay your deductible.
- Hidden damage found during the job is submitted as a supplement.
Read our full insurance claim guide. This article is general information, not legal advice. Your policy controls your coverage.