Does Homeowners Insurance Cover Wind and Hail Damage?

Wind and hail damage may be covered by a homeowners policy, but it is not safe to assume that every policy covers every wind or hail loss. The Texas Department of Insurance says most policies cover windstorm and hail, while noting a Texas Gulf Coast exception where separate wind and hail coverage may be needed. That is a Texas example, not a rule for every state or property.

Check the policy and deductible

Read the covered-causes section, exclusions, roof provisions and endorsements together. Check whether a separate wind or hail deductible applies, whether it is a fixed amount or percentage, and what value it is calculated from. A roof’s age or settlement terms may also affect how a covered loss is valued.

For a specific damaged roof, contact the insurer listed on the policy; do not treat a contractor’s assessment as a coverage decision. This site’s phone line is for quote requests, not claim reporting.

See roof-damage coverage, how to choose a deductible and the claims-preparation checklist. The homeowners guide explains what documents to compare.

Sources & review status

Prepared Oct 14, 2026 • Unapproved draft

Editorial draft prepared October 14, 2026. Not yet approved by an insurance or legal reviewer. These sources explain general concepts; your policy, endorsements, insurer and state rules control your coverage.

Reference materials

• Texas Department of Insurance — Home insurance guideRetrieved and reviewed October 14, 2026. Texas consumer guidance; used for general policy concepts, with Texas-specific examples identified rather than generalized.

Before publication

• Confirm each coverage statement against the relevant policy form and current national or state guidance.
• Confirm quote routing, product availability and business disclosures with the site owner.
• Keep Texas Gulf Coast exceptions clearly identified as Texas-specific; verify state and insurer variations before adding local claims.