Hailstorm damage: 5 steps to handling the impact on your car

1. Take pictures of the damage

You might be surprised that hail can cause severe auto damage, as residents of Calgary in August 2024 and Saguenay, Quebec in July 2016 can tell you.

The first thing you need to do is assess the hail damage to the vehicles. Take clear photos or a short video to document the condition of your vehicle. These images will be crucial when filing a claim with your trusted insurance provider.

Be as detailed as possible when documenting the damage, and keep all relevant receipts, especially for cleanup or repair expenses.

2. Check your hail damage insurance

Does your car insurance cover hail damage? Take a moment to check your auto insurance policy. Hail damage is typically covered if you have comprehensive coverage or a policy that includes everything except vehicle collision or upset.

Keep in mind that basic auto insurance does not usually cover hail damage. It’'s worth considering an upgrade to your coverage to add protection against hail or to ensure your vehicle is fully covered with two-way car insurance, especially before another unpredictable storm strikes.

3. Report the hail damage quickly

Damage from a hailstorm requires immediate action. Reach out to us as soon as possible at 1-877-700-777 to report the damage. Our helpline is available 24/7 or you can start your vehicle hail damage claim online at any time.

A claims expert will get in touch with you as soon as possible. Provide a detailed description of the hail damage, including the date and location, and they will guide you through the process of evaluating the impact.

4. Follow your insurer’s instructions

Your insurance provider may recommend a trusted hail damage repair shop with which it has a partnership. While the choice of repair shop is yours, it’s important to discuss this with your insurer.

In the event of hail damage to your car, if you have the right coverage, your insurer will cover the cost of the repairs, minus the applicable deductible. Be prepared to account for this deductible, which could range from $250 to $1,000 in some cases, as outlined in your insurance policy.

5. Prepare for the unexpected

Remember: Unlike home insurance, hail damage is not included in a basic auto insurance policy. Contact us now to switch to comprehensive coverage or add protection against hail and other weather events.

In the future, to avoid further damage, always try to park your car in a garage when possible. A winter car shelter for your vehicle is also a great option. If that’s not feasible, consider investing in a weatherproof hail protection system to safeguard your car from hail and other weather conditions. Innovation truly has its perks!

Make sure you read: Checklist – 5 steps to take when water damage occurs