Will Homeowners Insurance Cover Tornado Damage? 
Depending on the state you live in most policies include coverage for Wind and Hail . Some states have separate wind pools where you have to purchase a separate policy for this coverage to apply . You also want to check your deductible because a lot of insurance companies have separate Wind/Hail deductibles that are a percentage of your dwelling . For example , a home insured for $ 400,000 with a 2 % Wind/Hail deductible would have to pay $ 8,000 before the insurance policy would kick in . 