Wind, hail, and flood insurance are not typically included in a standard homeowner's insurance policy, especially if your property is located in a coastal area or high velocity zone. You will need to obtain coverage separately for these items, possibly from a special state sponsored insurance pool. In some cases, an insurer may require you to have flood insurance before a policy for wind and hail insurance is issued.
A separate policy protecting your home from this type of damage is a wise investment. The premiums are expensive, but bearing the cost of rebuilding on your own could be an unaffordable expense that leads to financial ruin. Just one storm can destroy a lifetime of hard work.
Make sure to seek out an insurance agent to assist you with these decisions. If disaster strikes, you will not get a second chance!
James Bell