• Max Factor Law

Are There Separate Deductibles For Damage Caused By Hail?



Storms in Florida tend to be unpredictable. What could seem like a patch of rain can quickly turn violent bringing strong wind gusts, excessive lightening, and even hail. How can you know for sure which perils your home is covered by with such uncertain weather? Is hail damaged covered by your homeowner's insurance policy or do you need a separate policy in the unfortunate event your home is damaged by hail? Our goal at Max Factor Law is to educate you on how to identify what is and isn't covered under your homeowner's insurance policy. So, let's dive right in:


What is hail?


Hail is a form of precipitation consisting of solid ice that is formed inside thunderstorm updrafts (The National Severe Storms Laboratory). It is sort of like snow, but rock solid and can range in sizes from a pea (1/4" in diameter) to a grapefruit (4.5" in diameter). The largest hailstone recovered in the United States fell in Vivian, South Dakota, on June 23, 2010, with a diameter of 8 inches and a circumference of 18.62 inches. It weighed 1 lb 15 oz. (The National Severe Storms Laboratory) Imagine what kind of damage something like that could do to your home!


How Can Hail Damage My Property?


Given the examples above, hail damage can range in severity. Smaller sized hail may only cause cosmetic injury to the outside of your home and exterior structures. Larger sized hail can wreak havoc, breaking glass windows, or even created gaping holes in your roof of homes exterior.


Is Hail Damage Covered By My Homeowner's Insurance Policy?


The answer: it depends. Many home insurance policies in Florida include coverage for hail damage. However, sometimes they may fall under a separate, and sometimes higher, deductible. Some policies may even include hail damage under the hurricane deductible. Review your policy documents. If the information still remains unclear, contact your insurance carrier to verify.


Insurance policies can be difficult to decipher sometimes. Your insurance agent should be able to assist you in explaining your policy more in depth should questions arise. If your home has been damaged by a hail storm in Florida and your insurance provider has denied your claim, contact Max Factor Law. We haver over 25 years experience in assisting Florida home owners just like you navigate the insurance claims process. Property damage insurance claims can seem intimidating, but with our knowledge and experience, your claim will be processed in no time. We will even review your claim for free. Call us today at (850) 577-1699.

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