What You Should Know
- Damage caused by a hailstorm or heavy rain is not covered unless you have optional comprehensive insurance
- In some parts of America, hailstorms can drop hail the size of golf balls that can easily break the windshield and windows of your car and put major dents in the roof, hood, and body of the vehicle
- The average cost of repairs for damage caused by a hailstorm or heavy rain ranges from a few hundred dollars to thousands of dollars
Hailstorms can occur anywhere in the United States. They are, however, more frequent in the Plains states, including Nebraska, Kansas, Oklahoma, and Texas. Living in these parts means having optional comprehensive insurance to cover damage caused by a hail storm or heavy rain is recommended.
Damage from heavy rain may occur if the water gets into the vehicle. It may not be easy to dry the interior of the car completely. This continued dampness may result in the formation of mildew and toxic mold. You might have to tear out the carpet and replace it, along with the upholstery.
The potential damage from a hailstorm or heavy rain is a good reason to investigate affordable comprehensive auto insurance coverage.
Does comprehensive auto insurance cover hail and rain?
Comprehensive auto insurance is a type of optional insurance. Comprehensive auto insurance covers losses resulting from hail, rainstorms, theft, vandalism, fire, floods, and other events that are not collisions. It also covers damage caused by animals, falling objects, and damage caused by certain natural disasters.
So what are the different types of auto insurance coverage? Each policy for comprehensive coverage may differ slightly, so it is best to review the terms and conditions of comprehensive insurance to know precisely what is covered.
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Does auto insurance cover hail or rain damage to the interior of a vehicle?
Does auto insurance cover damage to the interior of a vehicle? If you have comprehensive coverage, it does cover interior damage under certain circumstances.
Interior damage caused by a hailstorm or heavy rain would typically be covered, even if the damage happened because you left the vehicle’s windows down.
What about an accident caused by a hailstorm or heavy rain?
Slippery roads and decreased visibility in a hailstorm or heavy rain are common contributing factors that cause accidents.
If your vehicle is involved in a collision, your collision coverage would be called upon to pay a valid claim. The general rule is that the vehicle must be put back into the same state as it was in pre-collision, subject to policy limits.
Depending on the circumstances, your collision and comprehensive coverage will sometimes pay a valid claim for different portions of the damage.
Bundling Auto Insurance for a Discount on Coverage
Most people have questions such as how much auto insurance coverage do I need. There are your state’s legal minimum requirements that you must have.
Additionally, you may want better coverage than the bare minimums with higher policy limits and more coverage with comprehensive insurance for the many unfortunate things that might happen.
A good tip is there may be a better-discounted price when you get the full insurance package from the same company by bundling collision, liability, and comprehensive insurance together.
Carrying Comprehensive Auto Insurance for Hailstorm and Heavy Rain Damage
The peace of mind from having comprehensive coverage is very beneficial for many. However, the cost of this optional coverage may be too high for some budgets.
One factor to consider is the value of the vehicle and its age. Older cars with lower cash values do not need as much protection as newer, more expensive ones.
Assess your situation to see if purchasing extra insurance to cover your vehicle in anticipation of hailstorm or heavy rainfall damage makes financial sense.
Frequently Asked Questions
How much does comprehensive insurance coverage cost?
Depending on the vehicle’s model, year, and coverage limits, opting for comprehensive coverage may cost an additional $500 to $2,000 yearly, with the average customer paying around $1,000 annually.
How do I prove that hail or heavy rain caused the damage?
It is best practice to document damage to your vehicle by taking photos and videos. If hail or heavy rain is the cause, you might also use information from the local weather report to support your insurance claim.
Does homeowners insurance cover vehicle damage caused by hail or heavy rain?
Homeowners insurance does not usually cover the damage if your vehicle is damaged by hail or heavy rain while parked in your driveway.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance…
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