Roof damage claims by state

Insurance is regulated state by state — filing deadlines, wind/hail deductibles, shingle-matching rules, and contractor laws all change at the state line. Pick your state for the specifics that generic advice leaves out.

• Texas

  The most hail claims in the nation, separate wind/hail deductibles as the norm, and some of the country's strongest laws on deductibles and prompt claim payment.

  View TX guide

• Oklahoma

  Hail Alley's heart, a long severe-weather season, mandatory roofing contractor registration, and an active insurance department complaint process.

  View OK guide

• Kansas

  Core Hail Alley exposure with some of the highest hail-claim frequencies in the country and percentage wind/hail deductibles on most policies.

  View KS guide

• Nebraska

  Home to some of the largest hail ever recorded in the U.S., with hail-claim frequencies near the top of the national rankings.

  View NE guide

• Colorado

  The Front Range is America's most concentrated hail corridor, and Colorado law gives homeowners specific rights around roofing contracts and deductibles.

  View CO guide

• Missouri

  Both Kansas City and St. Louis rank among the most hail-affected metros in the country, with spring supercells and derecho winds testing roofs statewide.

  View MO guide

• Illinois

  Hail across the central corridor plus derecho wind events, with strong consumer-protection rules and an active state insurance department.

  View IL guide

• Minnesota

  Frequent metro-area hail plus one of the country's strongest pro-homeowner positions on shingle matching.

  View MN guide

• Iowa

  Hail Alley's eastern edge plus derecho country — including the 2020 derecho, the costliest thunderstorm event in U.S. history.

  View IA guide

• Florida

  Hurricane country with the nation's tightest claim deadlines, percentage hurricane deductibles, and a fast-changing legal landscape for roof claims.

  View FL guide

• Alabama

  Gulf hurricanes, Dixie Alley tornadoes, and the nation's leading program for fortified roofs — with insurance discounts to match.

  View AL guide

• Georgia

  North Georgia hail corridors, tropical remnants statewide, and one of the busiest housing markets in the Southeast for storm claims.

  View GA guide

• Tennessee

  A growing share of the nation's severe weather — Middle Tennessee hail and wind, Dixie Alley tornado outbreaks, and fast-rising claim volumes.

  View TN guide

• Louisiana

  Hurricane country with hard-earned lessons: strict prompt-payment rules, a state fortify program, and a market where documentation is everything.

  View LA guide

• Mississippi

  Gulf hurricane exposure, Dixie Alley outbreaks inland, and a coastal wind pool for the highest-risk counties.

  View MS guide

• Arkansas

  Dixie Alley hail and tornado outbreaks with two distinct severe seasons, and a post-storm contractor market that rewards careful vetting.

  View AR guide

• Kentucky

  Fast-growing severe-weather exposure — spring hail and wind plus a December tornado season that made national history — and rising claim volumes to match.

  View KY guide

• Indiana

  Derecho country with regular spring hail, big claim volumes across Indianapolis and the northern corridor, and wind-scope disputes as the recurring fight.

  View IN guide

• Ohio

  One of the largest housing markets in storm country — derechos, spring hail, and lake-effect wind produce steady claim volume across the state.

  View OH guide

• North Carolina

  Hurricanes on the coast, hail in the Piedmont, a coastal wind pool for the highest-risk counties, and one of the busiest roofing markets in the Southeast.

  View NC guide

• South Carolina

  Hurricane country with a coastal wind pool, inland hail and tornadoes, and a state grant program that helps pay for fortified roofs.

  View SC guide

• California

  A different kind of roof-claim state: wildfire, wind-driven rain, and the toughest homeowners insurance market in the country — where keeping and finding coverage is half the battle.

  View CA guide

• Michigan

  Summer derechos, severe thunderstorm wind, and enough hail in the southern counties to make roof claims a regular feature of Michigan homeownership.

  View MI guide