Is Hail Damage Repair Covered by Insurance?
Has your vehicle had a mishap with hail? You’re likely wondering whether hail damage repair is covered by your insurance policy. The good news is that most comprehensive auto insurance policies do cover this form of repair, but understanding the specifics can help you navigate the claims process more effectively. At Peruzzi Collision Center, we work with all major insurance carriers to ensure you get the coverage you deserve for professional hail damage restoration.
Hail Damage Repair Coverage
Yes, hail damage repair is typically covered by insurance if you have comprehensive coverage on your auto policy. However, liability-only coverage will not protect you from weather-related damage. Comprehensive coverage protects your vehicle from events outside of your control, including hail and other weather-related damage. Your insurance company will pay for repairs minus your deductible, up to your policy limit.
What Type of Coverage Do You Need?
Comprehensive insurance is the specific type of coverage that handles hail damage claims. This optional coverage differs from collision insurance, which only covers accident-related damage. According to industry data, the average cost of repairs for moderate hail damage is around $2,500 dollars, making comprehensive coverage a wise investment for vehicle owners in hail-prone areas.
The Hail Damage Insurance Claims Process
The claims process begins with documenting all damage through photos or videos from multiple angles. Insurance companies typically require claims to be filed within thirty days to one year, depending on your insurer and policy terms. An adjuster will inspect your vehicle to assess the extent of damage and determine repair costs versus your deductible.