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Hail damage insurance

Hail can occur during any season. While there are some steps you can take to prevent hail damage, the only way to financially protect your family and home against hail damage is to buy insurance. In North America, most home insurance providers include hail damage protection in the policies they offer. At Square One Insurance Services, we automatically include hail damage insurance in all our policies. No paying extra. To learn more about hail damage insurance, review the information provided below.

Does home insurance cover hail damage?

Most home insurance policies include damage caused by hail. If you have a comprehensive home insurance policy, you simply need to look at the exclusions, to see if hail is excluded. If not, they’re covered. If you have a named perils policy, you’ll need to check the list of perils (or loss types) insured. If it’s not listed, it’s not covered.

At Square One, our home insurance policies automatically cover damage caused by hail. No paying extra. In fact, you get one of the most comprehensive policies with us.

What does hail damage insurance cover?

Hail damage to your home is covered on most policies. But there are often some conditions.

For instance, if your roof is damaged by hail, you may not be paid the full cost to replace it if it was fairly close to its life expectancy. If wear and tear was partially responsible for the roof being susceptible to damage, depreciation may be applied to your settlement. Any damage that is a result of regular wear and tear is not covered by insurance.

Home insurance wordings are not always the easiest to read or understand, so to find out exactly what you’re insured for, you may need to consult your insurance provider.

How much does hail damage insurance cost?

When covered by a home insurance policy, the cost for hail insurance is built into the base premium. You likely won’t see a separate charge for this coverage.

Hail damage coverage is included in all home insurance policies offered by Square One. No paying extra.

What is the deductible for hail damage?

Typically, the standard policy deductible applies for hail damage. Most people tend to select a $1,000 standard policy deductible, but you can usually choose from amount between $500 and $5,000.

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