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What Is a Wind and Hail Exclusion on a Home Insurance Policy?

Last updated October 26, 2026

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The short answer

How This Exclusion Works

A wind and hail exclusion is a specific provision in a home insurance policy that states the insurer will not pay for losses caused by wind or hail. This means if a storm damages your roof, windows, or siding, you may have to cover the repair costs yourself. The exclusion can be partial, applying only to certain types of roofs, or it can be complete, removing all wind and hail coverage.

Insurance companies add this exclusion in areas where wind and hail storms are frequent, as a way to manage risk. However, not all policies have it. Some policies offer coverage for wind and hail as an optional add-on, while others include it by default. You need to read your policy documents carefully to know what is included.

Why It Matters for Your Home

If you live in a region with strong storms, this exclusion can leave you vulnerable. Wind can tear off shingles, and hail can dent metal roofs or crack skylights. Without coverage, you would pay for these repairs out of pocket, which can be costly. Understanding this exclusion helps you plan for potential storm damage.

Even if your policy does not have this exclusion, storm damage can still be tricky. Your insurer may require proof that the damage was sudden and accidental, not due to wear and tear. Keep records of your roof's age and condition, and take photos after any storm to support a potential claim.

  • Check your policy declarations page for the exclusion wording
  • Ask your insurance agent about adding wind and hail coverage
  • Review your roof's age and material, as some are more vulnerable
  • Document any storm damage with photos and notes
  • Understand that deductibles may apply even if coverage exists

Storm Damage and Water Intrusion

Wind and hail damage often leads to water intrusion. A torn roof or broken window lets rain into your home, causing water damage to ceilings, walls, and floors. If you have water damage from a storm, you need to act quickly to dry the area and prevent mold growth. The pros can help with water damage cleanup and restoration.

If your policy excludes wind and hail, the water damage from the storm may also be excluded, depending on the cause. This is a gray area. Some policies cover water damage if the wind opened a hole, but others do not. Check with your insurance company to understand how they treat this situation.

What to Do If Damage Occurs

After a storm, inspect your property for damage, but stay safe. Look for missing shingles, dented gutters, or broken windows. If you find damage, take photos and make temporary repairs to prevent further water intrusion, like covering a hole with a tarp. Do not wait to address water damage, as it can worsen quickly.

Contact your insurance company to report the damage and ask about your coverage. They will guide you on the claims process. If the damage is severe, you may want to hire a professional to assess the structural integrity. The pros can also help with water damage inspection and restoration to get your home back to normal.

Alternatives for Coverage

If your policy has a wind and hail exclusion, you might have options. Some insurers offer a separate wind and hail policy or an endorsement to add coverage. This can be worth the extra cost if you live in a storm-prone area. Compare policies from different insurance companies to find one that fits your needs.

Another option is to set aside a savings fund for potential storm repairs. While this does not replace insurance, it can help you manage costs if damage occurs. Also, consider improving your home's resilience, such as installing impact-resistant roofing, which may reduce damage and potentially lower your premium.

  • Ask about a separate wind and hail policy
  • Consider an endorsement to your existing policy
  • Set aside emergency funds for repairs
  • Install impact-resistant roofing materials
  • Trim trees near your home to reduce wind damage risk

Water damage does not wait

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Frequently asked questions

Does a wind and hail exclusion apply to all storm damage?

Not necessarily. The exclusion typically applies to direct wind and hail damage. If the storm causes a tree to fall on your house, that may be covered under a different clause. Always read your policy or ask your insurance company for clarification.

Can I buy wind and hail coverage separately?

Yes, in some cases. Some insurance companies offer a separate wind and hail policy or an endorsement that adds coverage to your existing home policy. The cost depends on your location and the value of your home. Policies vary, and your insurer decides what is covered.

What should I do if my claim is denied due to the exclusion?

If your claim is denied, you can appeal the decision with your insurance company. Provide evidence of the damage and any policy language that supports your case. If that fails, you may seek advice from a legal professional, though that is your choice. Also, consider home improvements to reduce future damage.

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