Home insurance in Indiana is your policy, your deductible, and a claim four seasons keep producing. Hail, open-country wind, a burst hose bib, and a clay-basement wetting are not the same loss. Wind or hail may carry a deductible you never use for a pipe. Drain backup and flood often sit outside that policy. Say if you are renewing, starting a policy, or standing in a room that is already wet.
A dwelling limit should match what it takes to rebuild your house, not a leftover from the purchase. A ranch, an older brick house, and a southern crawl-space house are not the same rebuild. Porches, chimneys, and detached garages count when they are part of the loss. If the limit never moved after a new roof, say so. Know the deductible before you shrug off a bruise in the shingles.
Walk what is safe. Note whether water is still moving and whether it came from a pipe, the ceiling, or the floor. Shut the main if you can. Photograph hail and lifted edges from the ground before a tarp or a tear-off hides them. Keep damaged goods until the claim record exists. A wide storm in one evening is not a reason to rush the evidence off your lawn.
Northwest counties can add snow load and ice to the story. Southern counties more often add wind-driven rain and long humidity. The middle of the state is where hail and a hard freeze share the year. Tell the truth about which of those you got. A policy talk that pretends the whole state shared one afternoon will miss the deductible that actually applies. Have the town in the first sentence.
Do not strip finishes, do not climb a hail-slick roof, and do not guess that backup, flood, and wind share one answer. Bring whatever page you have. Call the number on this page.