Hail

If you had hail damage, you don’t need to worry about coverage because even on the most basic named peril policy you will have coverage for hail. Hail can come in pebble to baseball sized rocks and can cause serious damage to your property, especially autos and roofs. It is almost a truism that when you have tornados you will also have hail. However, hail is very spotty so even if your neighbor had hail damage you may not have.  Things to look for are dings and dents in metal and aluminum siding or trim. On the roof hail can diminish the functional lifespan of the roof by smashing the granules off the shingles and exposing the felt mat. Since hail comes down at an angle you may only have on side of a roof damaged.