The short answer
Hail is covered under wind/hail peril on HO-3/HO-5, but many carriers now apply a separate wind/hail deductible (1–5%), settle roof damage on Actual Cash Value only, or add a cosmetic exclusion so dents in metal roofs aren't paid. Report within your state's proof-of-loss window (often 60–180 days).
Frequently asked
- Do I need a public adjuster?
- For roof disputes over $10K, often worthwhile — they take 10–20% of the settlement.
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