Does the insurance company compensate for the damage caused by hail?

Insurance companies compensate for the losses caused by hail, although many insurance companies have such clauses in their clauses: some emergencies, such as earthquakes, floods, fires and so on. Insurance companies belonging to these categories will not pay compensation, because natural disasters are not within the scope of claims. However, hail or falling objects from high altitude belong to damage insurance liability. Because hail usually occurs in local areas, it is not force majeure and belongs to the coverage of damage insurance. Among them, some companies need the owner to issue a meteorological certificate; Some companies only need to provide the location of the accident, as long as the weather forecast says there is hail in the area. Therefore, if you are insured with a fixed loss insurance, you can call the customer service phone of the insurance company to make a claim after being injured by hail.