Keep the hail work in its own account, with its own phone number and its own budget
Storm-driven glass and screen inquiries behave nothing like retail whole-house replacement, and blending them corrupts the measurement of both.
After a hailstorm the search volume climbs, clicks get cheap, and cost per lead drops across the board. It looks like a good week. Most of what arrives is a broken pane, a torn screen or a question about a claim.
If those conversions sit in the same campaigns as your retail work, automated bidding learns toward the cheap ones. You end up buying more of the least valuable inquiry in the market and calling it efficiency.
Split it. Separate campaigns at minimum, a separate tracking number so whoever answers knows what kind of call is ringing, and a separate budget line that can be capped without touching retail spend.
Keep storm ad copy clear of anything that sounds like handling a claim. Point homeowners to their own insurer. In a field with plenty of operators who show up after a storm, restraint reads as credibility.
If you do not want storm work at all, exclude those queries deliberately rather than paying for them by accident.