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• Does Insurance Cover Hail Damage to a Roof in Illinois?
• What Does Hail Damage Look Like on a Roof in Illinois?
• How Much Hail Damage Needs to Be Done for Insurance to Cover in Illinois?
• How Much Does Insurance Pay for Roof Damage in Illinois?
• Does Insurance Cover Hail Damage to Solar Panels?
• Does Hail Damage Increase Home Insurance Rates in Illinois?
• How an Illinois Independent Insurance Agent Can Help You

Does Insurance Cover Hail Damage to a Roof in Illinois?

Hail damage is one of the most reported losses on homeowners policies. Your Illinois homeowners insurance will provide coverage to your structure and roof for hail damage. Your policy will pay up to the preselected coverage limits,  minus your deductible. To prove that hail damage has occurred, you'll need to have a reputable roofing company assess the damage, along with your insurance adjuster. 

What Does Hail Damage Look Like on a Roof in Illinois?

If your Illinois roof has hail damage you'll be able to tell. There will be obvious signs of destruction, and a roofing company should be able to provide photographs of the loss. The following are clear signs of hail damage:

• Denting
• Cracking
• Punctures 
• Splitting

How Much Hail Damage Needs to Be Done for Insurance to Cover in Illinois?

In most cases, hail damage to your roof will need to at minimum be more than your deductible. Most carriers and agents would advise against filing a smaller claim. A roofing expert can come out to assess the damage before a claim is reported so you are not wasting time. 

Hail property damage in the US (in million US dollars)

Hail damage can occur at any time, and some losses may be greater than others. You don't need to have your roof be a total loss in order to have a claim paid. Every carrier will have its own guidelines when it comes to a partial replacement for roof damage.

How Much Does Insurance Pay for Roof Damage in Illinois?

Hail damage to your roof can be paid for in a couple of different ways, depending on what your carrier offers. A lot of Illinois homeowners policies will come standard with replacement cost coverage for your roof. Others will only insure up to actual cash value when a loss occurs. Take a look at the difference below:

• Actual cash value: This is the amount the insurance company pays out for what the roof is worth in its current state. 
• Replacement cost: This is the amount the insurance company pays out for the full replacement cost of the roof to like kind and quality.

Does Insurance Cover Hail Damage to Solar Panels?

If you're part of the solar panel trend, it can come with a lot of cost savings on energy. You may be wondering how solar panels are covered under your home insurance policy. With most carriers, you will have coverage for permanently attached solar panels on your roof. That means if hail damage occurs, you are likely to be in the clear. Some insurance companies may have exclusions depending on the claim type. 

Does Hail Damage Increase Home Insurance Rates in Illinois?

Your Illinois homeowners insurance rates are affected by many risk factors. One of them is past losses that you have incurred. Home insurance claims histories are like credit scores. They follow each person who has filed claims on their policy. A hail damage loss would most likely increase your premiums the following year. 

Average premiums for homeowners insurance in the US

(in trillion US dollars)

Your costs will fall somewhere in the total annual premiums for home insurance. For exact pricing, you'll have to obtain quotes from a licensed adviser. 

How an Illinois Independent Insurance Agent Can Help You

Your Illinois homeowners insurance is essential to protecting one of your largest assets. The right coverage can help insure you and members of your household against financial loss. In order to obtain adequate protection, consider using a licensed professional. 

An Illinois independent insurance agent will have access to several carriers so that you can compare coverage and price. They do the shopping for you at no additional cost. Connect with a local expert on TrustedChoice to start saving in minutes.