Roof storms & insurance claims across Pennsylvania

597 Pennsylvania cities, each with the hail and wind radar recorded there over the last two years and how a roof claim works under Pennsylvania law. Pick a city, or check your exact address.

Most hail-struck cities in Pennsylvania

The rules of the game in Pennsylvania

Roofing and insurance are governed state by state — who may sell you a roof, what your deductible can look like, and how long you have to act all depend on Pennsylvania law. Each item below cites where it comes from.

Roofer licensing in Pennsylvania

Pennsylvania does not license roofing contractors at the state level. Instead, under the Home Improvement Consumer Protection Act, roofers and other home improvement contractors must register with the Pennsylvania Office of Attorney General (not a licensing board). Registration is required for any contractor who performs more than $5,000 of home improvement work per year, and its requirements apply to individual jobs whose total cash price exceeds $500. Homeowners can verify a contractor's registration by searching the Attorney General's online database at hicsearch.attorneygeneral.gov or by calling 1-888-520-6680, and registered contractors must include their "PA" registration number on contracts and advertising.

Source: Pennsylvania Office of Attorney General — Home Improvement Contractor Registration (HICPA) FAQ (2026-07-19)

How wind & hail deductibles work here

In Pennsylvania, a homeowners policy's wind and hail deductible may be written as a percentage of your home's insured replacement cost rather than a flat dollar amount, and that percentage deductible can be far larger than a typical flat one. Per the Pennsylvania Insurance Department's Homeowners Insurance Guide, a home insured at a replacement cost of $200,000 with a 2 percent wind and hail deductible would leave you responsible for the first $4,000 of wind and hail damage. Because the percentage is based on your home's replacement cost value, not the size of the loss, confirm before buying whether your wind/hail deductible is a percentage or a dollar figure and check how it is applied.

Source: Pennsylvania Insurance Department — Homeowners Insurance Guide (2017-04-01)

Matching: must the insurer replace undamaged shingles?

Pennsylvania has no statute or insurance regulation requiring an insurer to replace undamaged roofing or siding so that repairs match in color or appearance. What an insurer owes is governed by your policy's own wording. Under the leading Pennsylvania appellate case, when a policy promises repair with "like construction," the insurer satisfies that duty by using shingles of similar color, texture, and function, and is not required to replace an entire roof or field just to avoid a mismatch, even when the exact original material is discontinued. Homeowners who want guaranteed matching should look for a specific "matching" or "pair and set" endorsement, since standard policies do not include it.

Source: Greene v. United Services Automobile Association, Superior Court of Pennsylvania (Nov. 20, 2007) — court opinion via FindLaw (2007-11-20)

Deadlines that decide claims

In Pennsylvania, a lawsuit to enforce a homeowners policy is a breach-of-written-contract claim with a four-year statute of limitations (42 Pa.C.S. § 5525), but most policies legally shorten that window to one year from the date of loss, so read your policy and treat the one-year deadline as the real one. A separate statutory bad-faith claim against the insurer must be filed within two years (42 Pa.C.S. § 8371). Under state insurance regulations the insurer must acknowledge your claim within 10 working days (31 Pa. Code § 146.5), and within 15 working days after you submit properly executed proofs of loss it must advise you of acceptance or denial (31 Pa. Code § 146.7); if the investigation remains incomplete, it must send a written explanation 30 days from the initial notification and every 45 days thereafter.

Source: 31 Pa. Code § 146.7 (and § 146.5), Pennsylvania Unfair Claims Settlement Practices; statute of limitations 42 Pa.C.S. § 5525 (4 yrs written contract) and § 8371 (2 yrs bad faith) (2026-07-19)

Insurer of last resort

Yes. Pennsylvania has a FAIR Plan, formally the Insurance Placement Facility of Pennsylvania, which acts as the insurer of last resort for property owners who cannot buy coverage in the standard (voluntary) market. It makes basic property insurance available to anyone with an insurable interest in real or personal property located in Pennsylvania, covering perils such as fire and windstorm (with hail available under its property coverages). It is an association of the property insurance companies doing business in Pennsylvania, and no federal, state, or local funds are used to support or subsidize the Plan, so you apply to it only after being unable to obtain coverage from regular insurers.

Source: Insurance Placement Facility of Pennsylvania (Pennsylvania FAIR Plan), official site (2026-07-18)

What homeowners pay here

The average annual homeowners insurance premium in Pennsylvania was about $1,120 in 2022, based on the standard HO-3 policy for owner-occupied homes. That is well below the U.S. countrywide average of $1,569, making Pennsylvania one of the more affordable states for home insurance. Your own premium will still vary with your home's replacement cost, location, roof age, and claim history, so treat this as a benchmark rather than a quote.

Source: Insurance Information Institute (III), "Facts + Statistics: Homeowners and renters insurance," citing National Association of Insurance Commissioners (NAIC) data, "Average Premiums For Homeowners And Renters Insurance By State, 2022" (2022-12-31)