Summer thunderstorms over Utah County can build quickly. On the evening of August 13, 2024, storm reports to the National Weather Service included hail about an inch and a half across near Lehi, with other hail reports that evening in Saratoga Springs, Eagle Mountain, and Orem. For families from Traverse Mountain to the neighborhoods off Pioneer Crossing, that kind of storm means shingle roofs, siding, window screens, and the cars in the driveway all take a hit together.
Our main guide to hail damage insurance claims explains cosmetic damage exclusions, wind and hail deductibles, how roofs are paid by age, and how paintless dent repair works. Here is what matters most for Lehi families.
What your homeowners policy pays on a Utah roof
Hail damage to shingles, vents, gutters, siding, and windows is usually part of the dwelling claim. What gets paid depends on the terms on your policy: a separate wind and hail deductible, a cosmetic damage exclusion, or a roof endorsement that pays older roofs on a depreciated basis can each change the check. Our Lehi home replacement cost coverage guide explains how the home is valued, and comparing Utah homeowners quotes helps you check those terms before you renew.
Utah’s deductible rule for storm contractors
Utah has a chapter of law aimed directly at storm repair by residential contractors (Utah Code 13-50). It covers work on siding, gutters, roofs, and windows to repair damage caused by wind or hail on homes of up to four units. A residential contractor may not rebate or offer to rebate any part of your insurance deductible to win the job, and a rebate includes a discount or allowance against the price, not only a cash payment. Any contract, estimate, or work order paid from insurance proceeds must include a notice in capital letters saying that a deductible rebate violates Utah law and that you are personally responsible for the deductible. The contractor cannot be paid until you sign that notice and the contractor delivers it to your insurer.
Signing over your insurance benefits
Some contractors ask homeowners to sign an assignment of benefits so the contractor can be named on the claim check. Under Utah law, a post-loss assignment to a residential contractor must include an itemized description of the work and the total price, a statement that the contractor has made no assurances your insurance will fully cover the loss, and a notice in capital letters warning that you are agreeing to give up certain rights under your policy. It also may not prevent your insurer from talking to you. The Utah Insurance Department warns that signing away your rights to third parties can leave you in a lawsuit you never authorized, so read any assignment slowly and call your insurer before you sign.
Licenses and the Lehi solicitor badge
Utah’s Division of Consumer Protection says contractors in Utah must obtain a license and liability insurance, and you can verify a license through the Division of Professional Licensing’s online lookup. Get a written agreement with the price, the work, the materials, start and finish dates, cleanup, and any warranty. In Lehi, door-to-door solicitors must get a solicitor business license in person at Lehi City Hall and wear the badge the city issues while they solicit, so ask to see it. The Utah Insurance Department adds that some contractors cause or try to increase damage, and that demands for large up-front deposits are a warning sign. Lehi roofing contractor insurance explains what a properly insured roofer carries.
Hail on the family car
Hail is a comprehensive claim, so check that every car that parks outside carries it, including the older one. Paintless dent repair handles many hail dents without repainting, while large dents and cracked glass may need conventional repair. The Utah car insurance claim process walks through the estimate and the shop.
Before you file and before the adjuster visits
Our Utah guide to when not to file helps you weigh a small roof claim against your deductible, and Utah adjuster tips covers timelines and the inspection.
After the next Lehi hailstorm
- Photograph the roof from the ground, the siding, windows, fence, and every car from all sides, with hailstones next to a coin for scale.
- Cover broken windows or holes and keep the receipts.
- Call your insurer before you sign anything with a contractor.
- Verify the contractor’s Utah license and get more than one written estimate.
- Never let a contractor pay, waive, or discount your deductible.
We do not promise eligibility, rates, or availability, because those depend on the carrier, your state, your claims and driving history, and the coverage you choose. Policy terms vary by carrier. Western Pacific Insurance helps Lehi, Utah families review home and auto coverage together, including wind and hail deductibles and comprehensive coverage. Have your declarations pages ready, then call 702-932-3105 or request a quote online.
