Hail Damage in the Texas Hill Country: What Home and Auto Insurance Cover
Spring storms in the Texas Hill Country can bring hail with little warning. From Marble Falls to Lakeway, Leander and Georgetown, we hear the same questions after every storm: is the roof covered, what about the truck in the driveway, and what will it cost me? Here is how home insurance and auto insurance usually handle hail damage.
Home Insurance and Hail Damage
Most homeowners policies cover hail damage to your roof, siding, gutters and windows. A few details make a big difference in what you actually collect:
Wind and hail deductible. Many Texas policies use a separate wind and hail deductible, often a percentage of your home's insured value instead of a flat dollar amount. Check yours before storm season, not after.
Roof age. Older roofs may be paid at actual cash value (with depreciation) instead of full replacement cost. Ask how your policy treats the age of your roof.
Cosmetic damage. Some policies exclude cosmetic-only damage, such as dents in a metal roof that do not let water in. It is worth knowing before you need it.
Auto Insurance and Hail Damage
Hail damage to a car, truck or SUV is covered by the comprehensive part of your auto insurance policy, not collision. If you only carry liability coverage, hail damage to your own vehicle is not covered. Comprehensive also pays for broken glass and animal collisions, which is why we recommend it for most vehicles on Hill Country roads. You will pay your comprehensive deductible, and claim effects on your rates vary by carrier.
What to Do After a Hail Storm
Take photos and video of the damage before you move or repair anything.
Make temporary repairs, like tarping a damaged roof, to prevent more damage. Keep your receipts.
Call us before you sign anything with a contractor who knocks on your door. Out-of-area roofers often canvass neighborhoods right after a storm.
File your claim promptly. Policies have deadlines, so do not wait.
Get a written repair estimate and send it to the carrier.
Why an Independent Agent Helps
We are an independent agency, so we can shop multiple carriers for home insurance and auto insurance instead of offering one company's price. We can also bundle your policies, review your wind and hail deductible, and be your first call when a claim happens. We serve families in Marble Falls, Lakeway, Bee Cave, Spicewood, Cedar Park, Leander and Georgetown.
Want to make sure your home and vehicles are covered before the next storm? Call us at 830-201-3452 or request a free quote on our website.
