Does Your Auto Policy Cover Damage From Hail, Flooding or Fallen Tree Limbs?

Damage from severe weather can take a toll on your vehicle, often resulting in costly repairs and unexpected disruptions. This makes it crucial to know if your auto insurance policy covers perils such as hail, heavy rain and strong winds.

Why Comprehensive Coverage Matters in Indiana

Northern Indiana’s weather can be severe and unpredictable. Hailstorms and heavy rain can happen with little warning, and strong winds may bring down tree limbs onto parked vehicles. Comprehensive coverage can help you pay for repairs resulting from events such as the following:

• Hail damage—Dents, broken glass or paint damage from hailstones
• Flood damage—Water intrusion or engine damage from heavy rains or rising water
• Tree limb damage—Dents, scratches or broken windows caused by falling branches during storms

If you don’t have comprehensive coverage, your insurance likely won’t be able to assist with these types of situations.

What to Consider When Reviewing Your Policy

While adding comprehensive coverage to your auto policy is important for covering severe weather damage, it’s not the only aspect to review. Consider the following details as well:

• Deductibles—This is the set amount you pay out of pocket before your insurance helps cover related costs, based on your policy.
• Exclusions—Some policies may have exclusions or limitations for certain types of weather damage. It’s important to review your policy details or speak with your insurer for clarification.
• Local risks—If you live in an area prone to flooding or have large trees near your driveway, comprehensive coverage may be especially valuable.

How Our Team Can Help

Our agents at A-Agency Insurance a Division of Treesh Insurance Agency are ready to answer your questions, review your current policy and help you understand your options for financially protecting your vehicle. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.