Does Insurance Cover Hail Damage in Ohio?

Most Ohio homeowners policies cover sudden hail damage, but your policy, deductible and adjuster decide what is paid.

The short version

Hail is a covered peril on most homeowners policies. What gets paid depends on your policy: whether it settles on replacement cost or actual cash value, and your deductible. The Ohio Department of Insurance notes that most policies have an “all other perils” deductible and a separate wind/hail deductible, which can be a flat dollar amount or a percentage. See the Ohio Department of Insurance roof insurance guide.

What to do after hail in Central Ohio

1. Photograph damage you can see from the ground: dented gutters, downspouts, vents and siding.
2. Get a free roof inspection so you know what is actually on the roof.
3. Contact your insurer or agent promptly; your policy sets notice requirements.
4. Make only temporary repairs needed to prevent more damage, and keep receipts.
5. Meet the adjuster. We work with any insurance adjuster and can be there for the inspection.

What Ohio rules say about how insurers handle claims

Under Ohio Adm. Code 3901-1-54, insurers must acknowledge a claim within 15 days and decide whether to accept or deny within 21 days of receiving a properly executed proof of loss, or tell you why they need more time. For more, see the Ohio Department of Insurance Severe Weather Toolkit.

How Roof Revivers helps

Roof Revivers has served homeowners since 2012. We are an Owens Corning Platinum Preferred Contractor and BBB A+ rated. Our Columbus branch holds a 5.0-star Google rating from 505 reviews. Free inspections, photo documentation and 1–2 day replacements when a roof needs it. Call (614) 626-0387.

This is general information, not legal advice. Your policy and adjuster decide coverage.

Questions we hear

Is hail damage covered by homeowners insurance in Ohio?

Hail is a covered peril on most homeowners policies, but coverage, deductibles and settlement type depend on your policy. Your policy and adjuster decide coverage.

What is a wind/hail deductible?

According to the Ohio Department of Insurance, many policies have a separate wind/hail deductible that is either a flat dollar amount or a percentage, applied when damage is from wind or hail.

How fast does my insurer have to respond in Ohio?

Ohio Adm. Code 3901-1-54 requires insurers to acknowledge a claim within 15 days and to accept or deny within 21 days of a properly executed proof of loss, or explain why more time is needed.

Do you work with my insurance company?

Yes. Roof Revivers works with any insurance adjuster and provides free inspections and photo documentation.