Does Homeowners Insurance Cover Hail Damage in Kansas?

Living in Kansas means you’ve probably experienced your fair share of hailstorms—and if you haven’t yet, you will.
From quarter-sized ice balls in Salina to roof-shredding storms in Wichita, hail is one of the most expensive and frequent property risks in the state.

Which brings us to the big question:

Does homeowners insurance cover hail damage in Kansas?

Short answer: Yes—most policies do.
But the long answer? That depends on your insurer, your deductible, and the fine print.

Let’s break it down.

How Common Is Hail Damage in Kansas?

Kansas ranks among the top five states for hail damage claims year after year.

According to the National Weather Service, Kansas experiences over 100 hail events annually, many of which lead to major roof, siding, and vehicle damage. Cities like:

• Wichita
• Topeka
• Manhattan
• Lawrence
• Salina
• Hays

…are frequent targets of seasonal hailstorms that cause millions in roof and siding damage.

So yes—this coverage matters. A lot.

What Does Homeowners Insurance Cover When It Comes to Hail?

In most cases, a standard homeowners insurance policy in Kansas covers:

• Roof damage caused by hail (missing shingles, holes, leaks)
• Siding damage (cracks, dents, broken panels)
• Windows and skylights shattered by hail
• Damage to detached structures, like garages or sheds
• Water damage caused by hail if it breaches your roof

💡 Pro Tip: Some insurance companies apply separate wind/hail deductibles that are higher than your normal deductible—especially in high-risk areas like Kansas.

What’s Not Covered?

Here’s where it gets tricky. Insurance companies might limit or deny hail damage claims in cases like:

• Old or poorly maintained roofs
• Cosmetic-only damage (like dents to metal that don’t cause leaks)
• Damage to fences, trees, or landscaping
• If your roof has pre-existing wear and tear

Also, if you’ve filed multiple hail claims in the past, your premiums might increase—or your policy could be non-renewed. We see this happen with some national carriers after back-to-back severe storm years.

How Do Hail Deductibles Work in Kansas?

You’ll either have a:

• Flat-rate deductible (e.g., $1,000)
• Percentage-based deductible (usually 1–2% of your home’s insured value)

In Kansas, percentage deductibles are common for wind/hail. So if your home is insured for $300,000 and you have a 2% wind/hail deductible, you’ll pay $6,000 out of pocket before insurance kicks in.

That’s why we always recommend reviewing your homeowners insurance policy with a pro—so you’re not blindsided when the storm hits.

How to File a Hail Damage Insurance Claim in Kansas

1. Document the damage.
   Take photos of your roof, siding, gutters, windows, and outdoor structures. The more visual evidence, the better.
2. Call your insurance provider ASAP.
   Most require claims to be reported within a set number of days after the event.
3. Schedule an inspection.
   Your insurer may send an adjuster or allow you to submit a licensed contractor’s assessment.
4. Get repair quotes.
   Work with Kansas-based roofing or storm damage contractors—insurance companies prefer local, licensed pros.
5. Review your deductible and payout.
   Make sure you understand how much you’ll receive and when.

Need help navigating the claim process?
Contact us and we’ll walk you through it—even if you’re not currently covered through us.

What Insurance Companies Cover Hail Damage Best in Kansas?

Here are some top-rated options Kansas homeowners trust:

• American Family Insurance
• Farmers Insurance
• Shelter Insurance
• State Farm
• Upland Mutual Insurance (great for rural and farm properties)
• KansasInsurance.org – compare all the above in one place

The best option depends on your zip code, home value, roof type, and whether you bundle with auto insurance.

FAQ: Hail Damage & Kansas Insurance

Is roof damage from hail covered in Kansas?
Yes, most homeowners insurance policies cover hail-damaged roofs—but check your deductible and exclusions first.

Does homeowners insurance pay for a full roof replacement?
If your roof is damaged beyond repair, and the damage is from a covered peril like hail, most insurers will pay for replacement minus your deductible.

What if only part of my roof is damaged?
Insurers may pay for repairs—but if the roof is old, they might only pay actual cash value, not full replacement cost.

What about cosmetic hail damage?
Cosmetic-only damage (like siding dents that don’t cause leaks) may not be covered, depending on your policy.

Final Take: Does Homeowners Insurance Cover Hail Damage in Kansas?

Yes—but not all hail coverage is created equal.

In a state like Kansas, where storms are part of the deal, your homeowners insurance policy should include strong wind/hail protection, a reasonable deductible, and a clear claim process when the sky goes sideways.

At KansasInsurance.org, we help homeowners across Topeka, Wichita, Olathe, and beyond find policies built to handle whatever Kansas weather throws your way.

👉 Get a free homeowners insurance quote now
We’ll compare top carriers, break down your deductibles, and help you protect your home from the next hailstorm—before it hits.