Hail is a form of precipitation that occurs when updrafts in storms carry drops of rain upward into very cold areas of the atmosphere. Then, the drops of rain freeze into balls of ice and descend as hail. Hail can range in size from a sphere-like shape comparable to a pea, all the way to the size of a grapefruit. Hail causes about $1 billion dollars in damage to property and crops each year.

Properties Affected By Hail in 2017

US Properties

Hail Damage & Insurance

Hail can strike with damaging force and is more likely to do so if you’re in Illinois, Virginia, or Florida. At Roofing Pros USA, we specialize in providing quality repairs, educating you about your insurance, and helping you get through the claims process with as little stress as possible.

  • Hail damage is covered by standard home insurance in most states.
  • A majority of standard policies in most states require filing a claim within one year of determining that a hail storm has damaged your roof.

  • Filing an insurance claim does not necessarily mean that your policy rate will increase.

  • There are currently 19 states that have mandatory hurricane deductibles, which also cover hail damage.


Damaging winds are considered those exceeding 50-60 mph. There are a variety of classifications of wind that occur in different parts of the country that may or may not include other damaging forces of nature, such as rain – which can be experienced during a hurricane. Wind speeds can exceed over 300 mph.

Wind Damage & Insurance

Strong winds can damage your property in just a matter of minutes. We understand the ins and outs of the insurance claims process, so we can help you handle your insurance adjuster and get your property fixed without hassle.

  • Most insurance policies cover wind damage.

  • Your insurance company is obligated to repair or replace your roof.

  • Florida building code has a 25% roof replacement rule.
  • Filing an insurance claim does not necessarily mean that your policy rate will increase.


Hurricanes cause a lot of damage to properties from their extensive rain storms and strong wind combined. Water damage can come from flooding as well in areas that are along the coast or near large lakes. The official Atlantic hurricane season runs from June through November, but occasionally storms form outside those months. September is the most common month for hurricanes making landfall in the U.S.

Properties at Risk of Water Damage & Surge

Florida Properties