When making a bracha with shem u'malchut, one should not have erva (nakedness) exposed. For married women, their hair is considered to be erva. So does a woman who is married have to cover her hair when she makes a bracha?
Many ladies when they go to the Mikva have their hair uncovered when they make a Bracha.
See also Mishna Mesechtas Chala האשה יושבת וקוצה חלתה ערומה - from the Biur it clearly seems like she takes Challa and makes a Bracha in that state.
However Yabia Omer 6:15 says that a lady should have her hair covered even if in Chadrei Chadarim when saying Hashem's name.
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