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Yes, most standard policies include storm damage repairs. Your policy may cover some or all of the repairs. The first thing to do after a storm is contact your home insurance agent. If you get any work done before the adjuster arrives, such as covering holes in your roof or windows, keep those receipts for reimbursement.

Stay inside or well away until the storm passes. Don’t go outside to inspect the tree until the weather clears, especially if the tree is on a hill or isolated in a field. Lightning often strikes the same easily-accessed places multiple times, and you could be a new target. If a lightning strike causes a noticeable fire, alert emergency services. When the storm is over, take a closer look to gauge the damage done.

The best way to determine whether you should replace your roof after a hailstorm is to contact a roofing company for a professional evaluation. These pros have the skills and experience to inspect your roof and spot even hidden damage. After considering the amount of damage, your roofing contractor can advise you as to whether a new roof is in order.

Yes, home insurance coverage includes hail damage. An HO-1 insurance policy offers the most basic coverage for homeowners. In every homeowners’ insurance policy, the insurer includes a list of perils (or dangers) that you’re covered from, and HO-1 policies almost always include protection against hail and windstorms as well as other perils like fire, lightning, and vandalism. All you need to do is file a homeowners insurance claim, and your insurer will send you a check for the amount covered.