What Homeowners in Oklahoma City Need to Know About Wind and Hail Damage Coverage

It was around 2 a.m. when Mark and his wife were jolted awake by a loud crash. Hailstones the size of golf balls were hammering their Oklahoma City roof. When the storm passed, their yard looked like a war zone—broken tree limbs, scattered shingles, and a skylight that was now a hole. Mark thought he was covered. He was mostly right—but one clause in his policy left him footing a large part of the repair bill.
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Don’t be like Mark.

If you own a home in Oklahoma City, understanding how your insurance handles wind and hail damage isn’t just smart—it’s necessary.

get the best okc home insurance!

Why Wind and Hail Are a Big Deal in Oklahoma

Severe thunderstorms and tornadoes are regular guests in this part of the country. With them come strong winds and pounding hail. That makes wind and hail damage some of the most common claims filed on homeowners policies in Oklahoma.

What Most Policies Cover

Most standard homeowners insurance policies do cover wind and hail damage. But how much they cover—and under what terms—depends on several things:

Actual Cash Value vs. Replacement Cost

​Some policies will only pay the depreciated value of your roof (called Actual Cash Value). Others may offer Replacement Cost coverage, which pays for a brand-new roof if yours is damaged. That difference can mean thousands out of your pocket.

Separate Wind/Hail Deductibles

Some insurance companies now require a separate deductible just for wind or hail claims. It’s often a percentage of your home’s insured value. If your home is insured for $300,000 and you’ve got a 2% wind/hail deductible, you’re on the hook for $6,000 before coverage even kicks in.

Read the Fine Print (Or Let Us Do It For You)

Wind and hail coverage can vary widely:

• Some insurers exclude cosmetic hail damage.
  
• Others won’t cover older roofs or will limit coverage to actual cash value after a certain roof age.
  
• Certain policy endorsements can change how your roof is covered entirely.
  

​What You Should Do Right Now

1. Review Your PolicyDon’t wait for the next hailstorm to find out you’re underinsured. Check what kind of roof coverage you have and whether you’ve got a separate wind/hail deductible.

2. Get a Roof InspectionIf your roof is getting older, get it inspected. Some companies won’t pay for pre-existing wear and tear even if a storm finishes it off.
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3. Talk to a Local AgentOnline quote tools can’t tell you how your roof will be covered—or how a new carrier interprets “cosmetic damage.” But we can.

Let’s Make Sure You’re Covered

At Oklahoma Insurance Professionals, we’re not just here to hand you a brochure and wish you luck. We live here. We know the storms, the risks, and how different policies stack up.
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We’ll help you find a homeowners insurance policy that actually covers what you need—especially when the sky turns dark. If you’re in Oklahoma City or the surrounding area and want real answers from an independent insurance agency, give us a call today.

get the best okc home insurance!

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Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​​