Is Hail Damage Covered By Insurance?

Extreme weather can cause extreme havoc on your vehicle’s exterior. From dents to shattered glass hail damage repair is never fun to deal with.  When your vehicle is damaged by hail, you’ll want to get it repaired as quickly as possible.


But an unexpected repair means unexpected costs. Who’s going to pay for it? It wasn’t your fault! Who can you send a bill to, Mother Nature? Relax! Your hail damage may just be covered by your vehicle’s insurance policy.


If you have comprehensive coverage on your vehicle, then hail damage is most likely covered. This type of policy covers your vehicle for items that need repair not linked to a collision. This can include things such as dents and dings from hail and damage from tree branches or other debris. Did water get into your vehicle because of damage from hail or a storm? Your interior is likely also covered with your comprehensive coverage.


However, to use your comprehensive coverage, you’ll need to pay your deductible first. This means that if your deductible is $250 then you’ll need to pay the first $250 of the repair and then the insurance company will pay the rest.


If you have damage, always talk to your insurance company first. They can tell you what is covered and what is not under your insurance policy. If the hail damage is covered for repair, they will instruct you on where to take your vehicle to be repaired or instruct you how to get an estimate at a shop of your choice. They may even send someone out to assess the damage themselves.


If the area that you live in is prone to hail or you typically park outside, you might want to consider adding additional glass coverage to your policy. Some companies offer this as a way to have your glass repaired without having to pay your deducible first. Always talk to your agent about the different types of coverage that they offer so you know what you are insured against and what you are not.


Knowledge is power and we’re always happy to help you by giving you a free estimate before any work begins.


Paintless Dent Repair From Scott’s Collision Repair in Paris, TX

If all else fails and your car gets damaged by hail, Scott’s Collision Repair can help. We specialize in paintless dent repair, custom painting and many other auto body services. We have been serving customers in Paris for over 10 years. Give us a call today at 903-785-2524 or contact Scott’s Collision Repair online for a free hail damage repair estimate.