Summer weather is unpredictable. One moment it’s sunny and warm. The next, a gusty storm is drenching you and your property. While most of these storms are scary, they pass with little or no damage. However, in very severe conditions across the Western states like Colorado, these storms produce dangerous lightning, flash flooding, gusty winds, and damaging amounts of hail.
How is hail created?
During these type of storms, water droplets are pushed by winds into the upper atmosphere where they begin to freeze. These create pellets of ice that grow if more drops accumulate on existing hailstones. When these get too heavy for the atmosphere to maintain, they fall to the ground below.
When is hail dangerous?
Hail that is approximately one-quarter to one-half inch in diameter, about the size of a dime, sounds uncomfortable on the roof of your car but is harmless. They reach severe levels when their diameter is an inch or larger. Individually and collectively, these hailstones can cause damage to your car’s outer body. Not only by making dents in the metal but also cracking or smashing into windows.
Can you claim hail damage on your vehicle?
Hail damage is one of the few weather-related conditions covered by auto insurance. What is covered and the deductible are determined at the time of purchase. Nevertheless, if you’re unsure of what you need to do to file a claim, follow these tips.
- Contact your insurance company to verify your coverage and deductible. The deductible may be waived if damage is widespread
- Ask if they need photo evidence of the damage or if the adjuster will come out to review the issues.
- Determine if they’ll work with your body shop or if they have their own shops.
Body shops in your area, Jewel Collision as an example, may already have on-site representatives of your insurance company to handle these claims. Speak to your body shop for additional information and the next steps to repair your car.
Finally, stay calm. Your vehicle will be in good hands and returned to you in like new condition.