When you own a home, you're already living the good life. A place to call yours is a safe and comforting thing. For proper protection, Mississippi homeowners insurance can help cover your roof from hail damage. 

Fortunately, a Mississippi independent insurance agent has access to multiple carriers so that you have options. They'll present you with the best coverage and rates in town, making it a no-brainer. Connect with a local expert to get started. 

Does Insurance Cover Hail Damage to Your Roof in Mississippi?

The majority of property policies will come standard with fire, wind, hail, lightning, and theft coverage. The majority of property policies have the following limits of protection:

• Dwelling limit: Pays for the replacement or repair of your home itself when a covered claim occurs.
• Personal property: Pays for the replacement or repair of your personal belongings.
• Personal liability: Pays for claims of bodily injury, property damage, or slander against a household member.
• Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
• Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.

Property damage from hail in the US in recent years (in million US dollars)

If your property has hail damage, proper coverage is necessary ahead of time. First, it's essential to understand common occurrences in your area.

What Does Hail Damage Look Like on Your Mississippi Roof?

In Mississippi, 414,262,000 homeowners claims were paid last year alone. When it comes to hail damage to your roof, knowing what to look for can help. If you're finding little divots or dents in shingles that are discolored, you may have hail damage.

Estimated overall losses due to natural disasters in the US, by type (in million US dollars)

A loss to your home and roof can cost a fortune. Natural disasters are typically covered under your policy up to the preselected limit. It's best to have a trained professional assess any loss. 

Do Your Homeowners Rates Increase in Mississippi after Hail Damage?

Any claims reported under your homeowners policy will affect your rates. Carriers surcharge for up to five years for losses paid out. Check out the average annual cost of homeowners insurance in the US:

• National average home insurance cost: $1,211
• Mississippi average home insurance cost: $1,537

How Much Does Insurance Pay for Roof Damage from Hail in Mississippi?

Your roof will need to be claimed as a total loss to be replaced due to damage. When you're dealing with hail, your homeowners policy will have a couple of ways to cover any destruction. Check out the different values that could be used to replace or repair your roof:

• Replacement cost: Pays to replace your roof to like kind and quality when a claim occurs, including hail damage.
• Actual cash value: Pays to replace or repair your roof to the current market value given the age of the roof. This typically applies when your roof is 15 years old or more. 

How a Mississippi Independent Insurance Agent Can Help

Your Mississippi property policies will have protection against a variety of common exposures in the area. When it comes to hail damage to your roof, it's crucial to understand what your policy pays out before a loss occurs. Fortunately, a trusted adviser can help review your policy's coverage for free so that you're not caught off guard.

A Mississippi independent insurance agent does the shopping through their network of carriers, giving you options. They'll do the comparing for free and present you with the most competitive policy. Connect with a local expert on TrustedChoice.com for custom quotes in minutes.