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Hurricane Film questions, answered by experts

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.

Restoration timelines can vary from days to several weeks, depending on the severity, size of the affected area, and the resources available for the restoration effort.

A hurricane can take down a house, but most well-built modern homes can withstand an average hurricane. Houses are more likely to fail during strong hurricanes and if they’re older, poorly built, or already have structural problems. Strong winds can blow off weak points like the roof and windows, giving the hurricane winds an opening to do more damage. Walls may also collapse under the force of high winds and pressure.

Hail damage to a roof looks different depending on the type of roof. On asphalt roofs, you’ll likely see dark circles on the impact sites of the larger pieces of hail, and you may see small cracks in the surrounding shingles. Hail damage is easiest to spot on a metal roof, as you’ll notice dings and dents where the hail was severe enough to cause damage. Whether you notice signs of hail damage or not, it’s best to have a hail damage repair company inspect your roof after a major storm to assess the damage.

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.

The homeowners guide to home care is here

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