What to Check on Your Policy
Wind & Hail Deductible
Many Texas policies use a percentage deductible, often 1 to 2% of your home's insured value, not a flat dollar amount.
Roof Payout: RCV vs ACV
Replacement cost pays to replace your roof; actual cash value subtracts depreciation for its age.
Cosmetic Damage Exclusion
Some policies won't pay for dents that don't cause leaks, like on metal roofs.
Roof Age Limits
Older roofs may get reduced coverage or a separate roof schedule. Know yours before a storm.
Other Structures
Fences, sheds and detached garages are covered separately and take a beating in hail too.
Protect Your Roof (and Your Premium)
Impact-Resistant Shingles
Document Your Roof Before Storm Season
Review Your Deductible Every Spring
Bundle Home and Auto
Hail Insurance FAQs
Does homeowners insurance cover hail damage in Lubbock?
Most Texas homeowners policies cover hail, subject to your wind and hail deductible and any cosmetic damage or roof age limits. Read those three items first.
How much is a 2% hail deductible?
It's 2% of your home's insured dwelling value. On a $300,000 home, that's $6,000 out of pocket before coverage pays.
What should I do right after a hailstorm?
Photograph the damage, make temporary repairs to prevent leaks, keep receipts, and call your agent before signing with any roofer.