Leader Insurance
180 Massachusetts Ave, Arlington, MA 02474
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180 Massachusetts Ave, Arlington, MA 02474
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90 Summer Street, Arlington, MA 02474
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Learn about insurance coverage options specific to Arlington residents.
Arlington sits in Texas's hail belt with 84 storms yearly. Learn how homeowners insurance covers hail damage, deductibles, claims process, and roof protection.
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Yes, if you live in Arlington or anywhere in inland Texas, your standard homeowners policy almost certainly includes wind and hail coverage automatically. However, you should verify this in your policy documents and pay special attention to your wind/hail deductible, which may be significantly higher (2-3% of home value) than your standard deductible for other types of damage.
Texas law typically gives you one year from the date of the hail event to file a claim. However, you should report damage to your insurance company as soon as possible after a storm. The longer you wait, the more difficult it becomes to definitively link damage to a specific weather event, especially when multiple storms occur in the same season.
Absolutely. Class 4 shingles significantly reduce hail damage risk and often qualify for 20-30% insurance premium discounts. More importantly, they make your home a more attractive risk when insurance companies are increasingly non-renewing policies in hail-prone areas. The incremental cost over standard shingles typically pays for itself through insurance savings within a few years.
Document everything first—take photos and videos of all damage from multiple angles, including close-ups and wide shots. If possible, photograph hailstones with a common object for scale. Then contact your insurance company to report the claim promptly. Schedule a professional inspection and get repair estimates from licensed contractors, but be cautious of storm chasers who appear immediately after major events.
Texas led the nation with over $1.1 billion in hail damage claims in 2024, with the Dallas-Fort Worth area experiencing particularly severe and frequent events. Despite raising deductibles to 2-3%, many insurers have decided that certain high-risk properties are no longer profitable to cover. Non-renewal complaints more than doubled in 2024 as companies pulled back from the most hail-prone areas.
Yes, and this is more serious than most people realize. Recent research shows that asphalt shingles exposed to even minor hail impacts become approximately ten times more susceptible to severe damage in future storms. That "minor" damage you ignore today could lead to catastrophic failure when the next big hailstorm hits. Schedule periodic inspections after any hail event to identify and document damage while it's clearly claimable.
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