The short answer
Hail is a covered peril on HO-2 and HO-3 policies. The fight is usually about scope — insurer wants to replace only the impacted panels; you want full-wall replacement because new panels won't match aged siding. States with matching statutes (FL, IA, KY, NE) force insurers to pay full replacement. Some policies exclude cosmetic-only hail damage — read your endorsements.
Frequently asked
- Is functional damage enough?
- In non-matching states, insurers pay only where hail broke the panel — cosmetic dents can be excluded via endorsement.
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