# Does homeowners insurance cover hail damage to a roof?

*Published 2026-05-31T09:00:00-07:00 · Updated 2026-07-18T09:00:00-07:00 · Best Roofing Answers*

## Answer

Standard homeowners policies commonly cover roof hail damage as a sudden covered peril, but many policies in hail-prone states now carry a separate wind/hail deductible (typically 1–5% of dwelling value) and pay Actual Cash Value rather than Replacement Cost on roofs older than about 10–15 years.

## How adjusters measure hail damage

Per HAAG Engineering forensic standards (widely used by insurance adjusters), hail damage on asphalt shingles is identified by circular granule loss with a bruised, soft mat underneath — not by cosmetic marks alone. IBHS research shows measurable functional damage generally requires hail 1 inch or larger, with sustained impact.

Wind/hail deductibles and roof-age ACV endorsements have expanded significantly in TX, OK, CO, KS, and NE. Read your declarations page for the percentage deductible line and any 'roof surfacing settlement' or 'roof depreciation' endorsements.

## Also asked as

- does homeowners insurance cover hail damage
- insurance claim for hail damaged roof
- hail damage roof deductible
- how do adjusters check for hail damage

## Sources

- [HAAG Engineering — hail damage forensic standards](https://haagglobal.com/)
- [IBHS (Insurance Institute for Business & Home Safety)](https://ibhs.org/)
- [III (Insurance Information Institute)](https://www.iii.org/)

## Related

- https://bestroofinganswers.com/insurance/roof-damage-coverage
- https://bestroofinganswers.com/damage/storm-roof-assessment
- https://bestroofinganswers.com/q/does-homeowners-insurance-cover-roof-leaks
- https://bestroofinganswers.com/q/acv-vs-replacement-cost-roof-insurance
- https://bestroofinganswers.com/q/asphalt-vs-metal-roof-in-hail

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Published: 2026-05-31T09:00:00-07:00
Modified: 2026-07-18T09:00:00-07:00
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