As a homeowner, protecting your home and its contents is essential. Therefore, purchasing homeowner’s insurance is crucial. If you live in the Tulsa, OK, area and want to learn more about homeowner’s insurance, our Alan Farley Insurance LLC team is ready to provide the education you need.

Although homeowners’ policies anticipate adverse weather and typically cover weather damage to your home, there may be a limit to the amount of damage you can claim. For example, according to the Oklahoma Insurance Department, hail damage is the most common type of claim made to homeowners’ insurance. Your policy may have a higher deductible for wind and hail damage, especially in areas deemed to be at higher risk for hailstorms.

Coverage for Hail Damage

Some homeowners’ policies may include provisions for wind or hail damage, yet they may have exceptions for cosmetic damage. This means you would not be able to claim any damage to the exterior of your home. If you don’t know how much hail coverage is included in your policy, check the policy’s details.

In addition to ensuring your policy covers hail damage, you can protect your home against the impact of hail. According to the Oklahoma Insurance Department, you could choose hail-resistant shingles for your roof. Some insurers may offer discounts for clients with impact-resistant roofs.

Contact Alan Farley Insurance Today

Whether you are interested in details of wind and hail coverage or have general questions about your insurance policies, our Alan Farley Insurance LLC team can help you find policy options to fit your budget. Tulsa, OK, residents can feel confident about calling and talking to our team. Call us for an appointment today, and let us help you protect your home.