Homeowner’s policies are in place to protect the insured from financial loss and most policies in our area provide coverage for a sudden catastrophic event such as hail. Coverage under “Act of God” falls under the category of “no-fault claim.” Most of the time, these claims are not held against you. If you have significant hail damage to your roof, your insurance company should have a fiduciary responsibility to replace your roof. If you have minimal hail damage on a newer roof, then your insurance company may decline a roof replacement for your home.