What does 'wind and hail' coverage refer to?

Wind and hail coverage specifically protects homeowners against damage caused by windstorms and hail. This type of coverage is particularly important in regions that are prone to such weather events, as they can cause significant damage to roofs, windows, and other parts of a home. In a typical homeowners insurance policy, wind and hail are often included in the standard form of coverage, whereas other types of damage, such as flood or fire, may require separate policies or endorsements. The clarity in recognizing that this coverage focuses on specific types of natural disasters helps to reinforce the importance of understanding the various components of a homeowners insurance policy and the risks they cover.