Hail Damage and Insurance: Frequently Asked Questions. After a hail storm, it is common for homeowners and drivers to have questions about damage, insurance claims, deductibles, roof coverage, and who is responsible. There is also a lot of misinformation that can lead to costly mistakes.
Here are some common questions about hail damage and insurance.
Do I need a photo of hail falling to file a claim?
No. You do not need a photo of hail falling from the sky to file an insurance claim. Insurance companies can verify storm activity using weather reports, radar data, storm maps, and claim activity in the area.
However, photos and videos can still help. If it is safe, take pictures of hail stones, roof damage, vehicle dents, broken windows, damaged siding, gutters, outdoor furniture, and any water coming into the home.
Will my insurance company automatically know I had hail damage?
No. Insurance companies do not automatically inspect every home or vehicle after a storm. If you believe your property was damaged, it is your responsibility to report the damage and start the claim process.
A local roofer, contractor, or auto body shop can help inspect the damage, but the insurance company determines coverage based on your policy.
Who pays for hail damage to my car?
Hail damage to a vehicle is usually covered under comprehensive coverage on your auto insurance policy. Comprehensive coverage is the part of an auto policy that typically covers damage from things like hail, falling objects, theft, vandalism, and other non-collision losses.
If you only carry liability coverage, hail damage to your own vehicle is usually not covered.
Is a parking lot, airport, store, or business responsible for hail damage to my vehicle?
In most cases, no. A business is generally not responsible just because your vehicle was parked on its property when a hail storm happened. Hail is considered an act of nature.
For example, if your vehicle is damaged while parked at an airport, grocery store, restaurant, workplace, or shopping center, the claim usually falls under your own comprehensive auto coverage, if you have it.
Is a repair shop responsible if my vehicle gets hail damage while it is there?
Not automatically. A repair shop is usually only responsible if it was negligent.
For example, if the shop specifically promised that your vehicle would be stored indoors and then failed to do so, that could create a different situation. But if the vehicle was parked outside and damaged by a storm, your own comprehensive auto coverage would usually apply.
Will filing a hail claim automatically raise my rates?
Not always. Hail is usually considered a weather-related claim, not something caused by the homeowner or driver.
That being said, rates can still be affected by storm activity in your area. After major hail storms, insurance companies may adjust rates across a city, county, or region because of increased claim costs. Every insurance company handles rating differently.
Are small dents or minor roof damage worth looking at?
Yes. Even minor-looking hail damage can matter.
Small dents on a vehicle can reduce its value and may cost more to repair than expected. On a home, hail can damage shingles, knock off protective granules, dent vents and gutters, crack siding, and shorten the life of the roof.
Before deciding whether to file a claim, it is a good idea to have the damage inspected and compare the repair estimate to your deductible.
Does homeowners insurance always pay for a new roof after hail damage?
No. Roof coverage depends on your specific policy.
Some homeowners policies provide replacement cost coverage. Others may settle roof claims based on actual cash value, roof age, roof payment schedules, cosmetic damage exclusions, or special wind and hail deductibles.
This is why it is important to understand your policy before a storm happens, not after.
What should I do right after a hail storm?
Once it is safe, you should check for visible damage and take photos or videos. Look for dents on vehicles, damaged gutters, broken windows, damaged siding, missing shingles, roof granules near downspouts, and water leaking into the home.
You should also take reasonable steps to prevent further damage. This may include tarping a damaged roof, covering broken windows, or moving a vehicle out of additional exposure if it can be done safely.
How long do I have to file a hail claim?
Claims should be reported within a reasonable amount of time. Most insurance policies include duties after a loss, including giving prompt notice to the insurance company.
Waiting too long can make the claim harder to prove and may create problems if additional damage occurs later.
Should I sign a contract with a roofer right after a hail storm?
Be careful before signing anything. After major storms, out-of-town storm chasers often come into affected areas. Some may pressure homeowners to sign contracts before the damage has been inspected by the insurance company.
Use a trusted local roofer, ask for proof of insurance, check reviews, review warranties, and make sure you understand what you are signing.
What if I am buying a home after a hail storm?
If a home is under contract after a hail storm, buyers should consider having the roof re-inspected before closing. Once ownership changes, collecting insurance proceeds from a previous owner’s policy can become difficult.
A new insurance company may also inspect the home after closing. If existing damage is found, the carrier could require repairs or potentially cancel coverage.
What is the biggest mistake people make after hail damage?
One of the biggest mistakes is ignoring possible damage or relying on bad advice. Hail damage is not always obvious from the ground, and small damage can still create financial problems later.
The best approach is to document the damage, prevent further damage, have the property inspected, review your policy, and ask questions before making decisions.
Have Questions About Hail Damage or Insurance Claims?
Do not let hail damage myths cost you money. Whether the damage is to your home, roof, siding, windows, or vehicle, understanding your coverage and responsibilities can help you make better decisions.
If you have questions about hail damage, roof coverage, auto claims, or the insurance process, contact MBG Insurance. We are happy to help you understand your options before you file a claim or sign a repair contract.