The Policy Post · Personal Insurance
Home Insurance and Hail Season: What KC Homeowners Need to Know
Kansas City sees its fair share of hail storms. Here's how to make sure your home insurance has you covered.
Living in Kansas City means dealing with some serious weather. From March through July, hail season can bring golf-ball-sized ice falling from the sky, and your roof is on the front lines. Here's what you need to know about home insurance and hail damage.
What Does Home Insurance Cover?
Standard homeowners insurance typically covers hail damage to your roof, siding, windows, and other parts of your home's structure. It also covers damage to personal property inside your home if hail breaks through.
However, there are some important details to pay attention to. Some policies have separate deductibles for wind and hail damage, which can be a percentage of your home's insured value rather than a flat dollar amount.
After the Storm: Filing a Claim
If your home takes hail damage, document everything with photos before making any temporary repairs. Contact your insurance company promptly, most policies require timely reporting of damage.
Be cautious of storm chasers who show up offering roofing services. Work with reputable local contractors and your insurance company's recommended vendors when possible.
Not sure if your current home insurance is ready for hail season? We can review your policy and make sure you have the right coverage before the storms roll in. Reach out for a free policy review.
Hunter
Licensed Agent
Hunter helps KC families find the right coverage for their homes and vehicles. Licensed insurance agent in Kansas and Missouri.
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