Direct Answer
Most homeowners insurance policies in Indiana cover hail damage, but how much you’re paid depends on your deductible and how your roof is settled. Some policies pay full replacement cost, while others apply depreciation based on roof age.
What Hail Damage Is Usually Covered By Home Insurance
Most standard Indiana homeowners insurance policies cover:
Roof damage caused by hail
Siding damage from hail impact
Gutters, vents, and exterior fixtures
Interior damage if hail causes a roof leak
Coverage typically applies when the damage is sudden and accidental, which hailstorms usually qualify as.
What Can Change How Much the Claim Pays Out
Even when hail is covered, payouts can vary based on:
Roof age (older roofs may be depreciated)
Settlement type (replacement cost vs actual cash value)
Hail or wind deductibles (sometimes a percentage instead of a flat amount)
Prior wear or damage to the roof
These details are often buried in the policy — and many homeowners don’t realize the difference until a claim happens.
Indiana-Specific Insight
Indiana sees frequent hail and wind storms, especially across central Indiana. Because of this, many insurance carriers have tightened roof coverage in recent years, making it more important than ever to understand how your roof would be handled before a storm hits.
Soft CTA (Keep this conversational):
If you’re unsure how your homeowners insurance handles hail damage, a local Indiana insurance broker can review your policy and explain exactly what to expect — before you ever need to file a claim.
