You may have wondered what to do if hail damage has occurred to your vehicle. You don’t have control over these natural events, so it is essential to understand your repair options before filing a claim.

Insurance companies handle hail damage differently depending on its severity and type. Hail is formed by hailstones, which are precipitation from strong thunderstorms. 

How Does Car Insurance Handle Hail Damage?

In most cases, informing customers about their hail damage insurance coverage entails filing a claim. If your hail coverage is included in your auto insurance policy, insurance companies may pay for hail damage repairs.

Comprehensive insurance covers all non-collision damage to your car. Comprehensive hail coverage may not cover unrelated prior damage. It is because your hail insurance provider will determine hail damage by evaluating the damage. You may have your deductibles to the repair shop depending on the hail damage insurance policy you have.

Do Insurance Companies Insure Hail Damaged Cars?

Hail-damaged vehicles may be valued less by insurance companies than unaffected ones. Insurance providers may decide to total hail-damaged vehicles depending on the severity of hail damage. A car declared totaled means that the cost to repair the hail damage is higher than the vehicle value. Hail damage insurance providers generally do not pay market prices for hail-damaged vehicles.

Is a Hail Damage Claim Worth It?

Hail damage insurance providers can declare vehicles totaled if hail damage is too costly to repair. Your hail damage insurance provider will likely pay less if your car has more hail damage.

Hail-damaged cars can sometimes be repaired within a week’s time once the insurance providers have approved hail damage repairs. Hail-damaged vehicles can usually be fixed by hail damage providers’ of choice. Vehicles declared totaled can be scrapped or recycled depending on the severity of hail damage and hail damage insurance policies.

How Do Insurance Adjusters Determine Hail Damage?

Hail damage insurance adjusters inspect hail-damaged cars to give customers a settlement for hail damage. An insurance adjuster will usually determine the hail damage based on the severity of the hail damage to the vehicle. It is usually less than they would get if the hail-damaged vehicles were declared total.

How Can Insurance Companies Help?

It is not possible to file two separate claims for the same damage once the insurance company has assessed the damage. If you have hail damage, you can check with your insurance carrier to be sure you  have comprehensive coverage.  The insurance company should cover the total cost of hail damage. It will also pay for any repairs or replacements of damaged parts.

Hail can cause severe damage to homes and cars. However, hail damage insurance providers can help. The insurance company will send an adjuster to assess the damage. The adjuster will assess the damage and account for the amount of damage. 

Hailstorms are not always covered under auto insurance. It is essential to immediately get in touch with a certified hail repair shop in such situations. Contact Hail Free Solutions to help you with your hail damage claims and repairs.