Does a Hail Damage Claim Raise Home Insurance Rates?


Does a Hail Damage Claim Raise Home Insurance Rates? Find Out Here!

Homeowners’ insurance policies cover any general type of destruction and damage to your home’s interior and exterior. This includes fire, a hurricane, storm damage, lightning, vandalism, a fallen tree, and more. 

These are all common reasons for a claim, but not an exhaustive list. What about hail? Is hail covered? If it is, does hail damage claim raise home insurance rates? Pronto Insurance is here to answer any and all insurance claim questions you may have after a hail storm.

Table of Contents

  • What is hail damage coverage?
  • Does a Hail Damage Claim Raise Home Insurance Rates?
  • Making a hail damage roof insurance claim

What is Hail Damage Coverage?

Hail storms can happen almost anywhere, but they happen quite frequently in Texas. Hail damage is often more than just cosmetic. Those little pieces of ice are hard and come down with force! Homeowners insurance covers hail damage to the structure of your home, which most often occurs to your roof. This is great news because you never want your roof to have structural damage.

Does a Hail Damage Claim Raise Home Insurance Rates?

Homeowners Insurance Hail Damage Claim

If your homeowner’s insurance company will cover the damage, is that the end of it? Will your rates go up in the next year’s period? The simple answer to that question is, “Yes.” Insurance companies can and often do raise your rates after filing any type of claim, including one for hail and wind damage.

Let’s look at a longer answer, though. Damage to your home caused by hail would fall under what insurance companies refer to as an “act of god.” These are unexpected events that the policyholder cannot control or prevent. Don’t think of a rate increase as a punishment for filing a claim. If the frequency of hail storms where you live increases and your insurer decides that your region has become more susceptible to the phenomenon, it’s possible that homeowners insurance rates for the region as a whole will increase.

No one wants to think about their insurance rates increasing, but remember- this is why you pay insurance premiums in the first place! After you assess the damages, it’s time to connect with your insurance company to file a claim.

Making a Hail Damage Roof Insurance Claim

If you have damage to your home from hail that you want insurance to cover, the next thing to do is to file a claim with your insurance carrier. Pronto Insurance makes it easy to file a claim for hail damage. You can do so on our app or on our website. Simply click the “File a Claim” icon at the top of this screen to begin.

Life can be scary, but your homeowners insurance doesn’t have to be. If you’re unsure whether or not you’re covered for a certain event, contact Pronto Insurance. We’ll make sure you have sufficient coverage for all of life’s perils, including hail.

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