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Standard homeowners insurance policies do not cover floods or earthquakes. These natural disasters are only covered by secondary policies or as an add-on via your current provider. This is because not all areas are prone to these types of disasters, so not every homeowner should have to pay for this type of coverage if it won’t be used.

Your shingles have hail damage if you notice cracks, dents, bruises, or missing granules from your shingles. If you can’t assess your shingles from on the ground, contact your home insurance company to file a claim. They can work with you to get a local roofing contractor out to your home for an inspection.

Pea-sized hail can damage a roof if it experiences hailstorms often, as it slowly causes cracks and deterioration to your shingles. Usually, one hailstorm with pea-sized hail won’t damage your roof, but if you see other damage to your car, grill, and other property, it may be worthwhile to get in touch with your insurance company and have a local roofer come out for an inspection.

Hazard insurance is the part of your overall homeowner's insurance policy that covers the structure of your home and other structures on your property, as well as any personal property within those structures. When a lender requires you to get hazard insurance for your new home purchase, they’re referring to a standard homeowner’s insurance policy.