Mellisa Spivey Orr & Associates Ins
201 SE Court St, Suite 100, Dallas, OR 97338
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201 SE Court St, Suite 100, Dallas, OR 97338
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Dallas residents.
Dallas averages 10-20 hail events yearly. Learn why TX home insurance costs $4,585/year, how roof age affects rates, and ways to save on coverage.
Yes, most standard homeowners insurance policies in Texas cover hail damage as a named peril. However, coverage can be limited by cosmetic damage exclusions, roof age restrictions, and higher wind/hail deductibles. It's essential to review your specific policy to understand what's actually covered and what you'll pay out of pocket.
A cosmetic damage exclusion means your insurer won't pay for hail damage that affects only the appearance of your roof, siding, or other surfaces without compromising their function. For example, if hail dents your shingles but your roof still keeps water out, the claim might be denied. Insurers offer premium credits for accepting these exclusions, but they can significantly limit your coverage.
As your roof ages, many insurers switch from replacement cost coverage to actual cash value coverage, which factors in depreciation. Insurers typically reduce your roof's value by 15-20% or more after the first five to six years. This means you'll receive less money for hail damage claims on older roofs and will need to cover the difference yourself.
Unlike your standard homeowners deductible, a wind and hail deductible is typically calculated as a percentage of your home's insured value, commonly 1% or 2%. For a home insured at $300,000, a 1% deductible means you pay the first $3,000 of damage, while a 2% deductible means you pay $6,000 before insurance kicks in.
Insurance companies are increasingly non-renewing policies in high-hail areas like Dallas due to the frequency and severity of claims. The number of non-renewal complaints in Texas more than doubled from 2023 to 2024. Insurers make these decisions based on geographic risk, not individual claims history, meaning even homeowners who've never filed a claim may lose coverage.
You should document and report hail damage to your insurer as soon as possible after a storm. While time limits vary by policy, prompt reporting strengthens your claim and ensures you don't miss any deadlines. Take photos and videos of all damage immediately, and contact your insurance company within days of the hailstorm to start the claims process.
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