Hail Damage vs. Wear and Tear: What Insurance Actually Covers ⛈️

After a hailstorm, homeowners often assume all roof damage is covered. But insurers draw a firm line between storm damage and pre-existing deterioration, and that line can significantly affect your claim.

Here’s how to understand the distinction:

· Hail damage is sudden and visible: Dents on gutters, cracked shingles, and impact marks on siding are typically covered under standard homeowners policies as sudden, accidental loss.

· Wear and tear is generally excluded: Aging shingles, granule loss over time, and gradual deterioration are not covered events. If your roof was already in poor condition, insurers may attribute damage to neglect rather than the storm. ��

· A professional inspection clarifies the cause: Roofers and insurance adjusters assess damage differently. Getting both perspectives before filing helps you understand what qualifies and strengthens your claim with accurate documentation.

Not sure whether your roof damage is storm-related or maintenance-related? Talk to Agent Bill Schmauch at State Farm Insurance for a clear, honest coverage review. ��‍��

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