Hail that damages a roof often hits the siding and windows too. Here’s how that fits into an insurance claim.
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Homeowners insurance typically pays for hail damage to siding as part of a storm claim, minus your deductible, which on many Texas policies is a separate wind and hail deductible set as a percentage of your dwelling coverage. Document cracks, chips and dents on every side of the house, and include them in the same claim as any roof or window damage from that storm.
Insurance pays for damage from a covered storm, not for old or worn siding. Many Texas policies have a separate wind and hail deductible, a percentage of your dwelling coverage. If the damage is less than the deductible, the insurer pays nothing. See Texas wind and hail deductibles and how to file a hail claim.
James Hardie says some fiber cement products may lower your home insurance premium. Ask your insurer whether it offers anything for siding material.
Usually, as storm damage under your dwelling coverage, minus your deductible. It doesn’t cover wear and tear.
If one storm caused both, report them together. Ask your adjuster how the deductible applies.
No. Texas law makes it illegal for a contractor to waive or rebate your deductible.
This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.
