Storms in Ohio: Is Your Homeowners Insurance Ready for Hail and Wind?

Roof and siding damage from hail can add up fast, and your homeowners insurance policy may leave some costs uncovered. Jordan Agency can help homeowners review their coverage and address potential gaps before storm season arrives.

Why Hail and Wind Coverage Matters

Severe thunderstorms and hail are common in Ohio during storm season. Without the right coverage, homeowners may end up paying out of pocket for roof repairs, window replacements and repairs to gutters or structural damage. Most policies cover wind and hail, but the details can vary widely by policy.

What to Review in Your Policy

Check the following before the next storm season:

• Roof coverage type: Replacement cost typically covers a new roof. Actual cash value factors in depreciation, which may leave a gap when you file a claim.
• Wind and hail deductibles: Your policy may carry a separate deductible for wind and hail that’s higher than your standard one. The state doesn’t require percentage-based deductibles for these perils, but your carrier may still include them.
• Exclusions: Certain roofing materials or older roofs may not be covered under your policy.
• Personal property coverage: Wind-driven rain that enters your home may or may not be covered, depending on how the damage occurred.

Common Mistakes Homeowners Make

These oversights can leave homeowners unprepared:

• Skipping a yearly policy review
• Not realizing wind/hail deductibles may be higher than standard deductibles
• Assuming a newer roof is fully covered
• Not photographing your roof, siding, and gutters before a storm
• Waiting until after a claim to review what’s covered

Get Insured Today

Contact Jordan Agency to request a no-obligation quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.