Hail Insurance Frisco Tx

The Importance of Hail Insurance Frisco TX

Texas is one of the top states for hail damage. That is why you will need to make sure that you have hail insurance Frisco TX. Hail damage is likely covered under a standard home or car insurance policy. However, there are some insurance companies that will exclude this coverage and require that you purchase separate coverage.

Hail can cause thousands of dollars of damage to your car or home. If you do not have insurance, then you will be required to pay this out-of-pocket.

When to File A Hail Damage Claim

Most policies require that you file an insurance claim within one year of the hail storm. However, you should check your policy in order to find out the exact time limit. The process of getting compensated for hail damage is straight forward. You will need to file a claim, pay the deductible and then your Hail insurance Frisco TX will pay for the remaining costs.

The deductible is the amount that the insured person will have to pay out-of-pocket before the insurance company pays for anything. Here is an example of how this will work. Hail has done $5,000 worth of damage to your home. Your deductible is $1,000. You will have to pay $1,000. Your insurance company will pay the remaining $4,000.

Will Filing A Hail Damage Claim Cause My Insurance Rates to go Up?

In many cases, filing a weather-related claim will not cause your insurance rates to go up. Hail damage is something that is outside of your control, so the insurance company will probably not hold it against you. However, you may have to pay more for your insurance if you have filed a non-weather-related claim within the past three years. You may also have to pay more for your insurance if you live in an area that is prone to hail.

What if I Need Additional Coverage for Hail Damage?

You will need to check with your home insurance company and car insurance company to make sure that hail damage is already covered. If your insurance company does not cover hail damage, then you will need to work with an independent insurance agent. An agent will ensure that you find the coverage that best fits your needs and budget. To find a Frisco Texas homeowners policy that is right for you, click here.