Is Hail Damage Covered by Insurance? What You Need to Know
If you recently found dents or cracked glass on your vehicle after a hailstorm, you may be asking the same question thousands of people type into Google every year: Is hail damage covered by insurance?
The short answer is: Yes, in most cases hail damage is covered—if you carry comprehensive coverage on your auto policy. But let’s break it down.
How Insurance Covers Hail Damage
Hail can leave your car looking like a golf ball, with dents across the hood, roof, and trunk—or even broken windshields. Comprehensive insurance is the part of your auto policy that protects against events outside of your control, including:
- Hailstorms
- Windstorms and tornadoes
- Falling tree limbs or debris
- Vandalism and theft
If you have comprehensive coverage, your insurance company should pay for repairs—minus your deductible.
Do I Have to Pay Out of Pocket?
When you file a hail claim, you’ll usually just be responsible for your deductible. The insurance company covers the rest of the repair cost. The good news is, hail damage claims typically don’t raise your insurance rates, because hail is considered an “act of God,” not driver negligence.
Paintless Dent Repair (PDR): The Best Way to Fix Hail Damage
Most hail dents can be repaired using Paintless Dent Repair (PDR)—a method that restores the metal to its original shape without repainting. This keeps your factory finish intact and preserves your vehicle’s value.
At Hail Center, we specialize in insurance-approved PDR. We work directly with your insurance company, handle the paperwork, and make the process stress-free for you.
What To Do After a Hailstorm
- Take photos of the damage for your records.
- Contact your insurance company and file a claim.
- Schedule a free inspection with a trusted repair shop.
- Let the shop and insurer work together to finalize the repair plan.
Final Thoughts
So, is hail damage covered by insurance? Yes—if you have comprehensive coverage, your repairs should be paid for by your insurance provider. Don’t wait too long after a storm. Insurance companies often set deadlines for filing hail claims.
At Hail Center, we’ve helped hundreds of drivers navigate the hail claim process and get their vehicles back in like-new condition. If your car was hit in the recent storm, reach out today for a free, no-hassle estimate.
📞 Call us at 833-691-4801 or visit https://www.hailcenter.net/consultation to schedule your inspection.
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