Does Car Insurance Cover Hurricane Damage?

If you live in or , you’re at risk of going through a hurricane. Therefore, it’s crucial to know whether your car is covered for hurricane weather-related damages. So, what type of car insurance covers hurricane damage? The majority of “Comprehensive” and “Collision” insurance packages cover hurricane damage, but not all. 

Take a moment to learn about how to review your insurance package to make sure your vehicle is truly protected. Then, if you have questions or need help with an insurance inspection and filling a claim, reach out to the service center at Kempthorn Motors for help in Canton! 

What Type of Car Insurance Covers Hurricane Damage? 

If you’re wondering, “Does car insurance cover hurricane damage,”, know that most “Comprehensive” and “Collision” insurance packages cover hurricane damage. Some may not cover hurricane damage explicitly, however. In this case, you’ll need to review the “Covered Perils” in your insurance packages for weather-related vehicle damages that line up with the kinds of damages your vehicle can incur in a violent storm like a hurricane. Look for the following categories to make sure you’re covered: 

• Damage When Driving: Make sure that your insurance package stipulates that you’re not at fault if you get into an accident due to conditions created by a powerful storm while driving. 
• Falling Debris: If your vehicle is damaged by downed power lines or falling trees, this coverage will ensure repairs are covered! 
• Wind Damage: If strong gales blow objects into your car and damage it, you’ll need an insurance package with a wind damage clause to recoup your losses. 
• Water Damage: This coverage is especially important, as flood damage can easily total your car, even when the water damage is not extensive. 
• Corrosion: A good insurance package should also include coverage for corrosion damage. If your vehicle suffers salt water damage, which it very well may in the event of a hurricane, this protects you from the costs of repairing rust. 

How Do I Submit a Hurricane Damage Claim?

Now, you know about weather-related vehicle damage coverages you should look for in your insurance package, and that, most often, car insurance does cover hurricane damage. If your vehicle has experienced hurricane damage from the recent hurricane, take a moment to learn about how to submit a claim: 

• Inspect Your Vehicle: First up, inspect your car as soon as it’s safe to go outside. Write down any damages you notice and take photos of your vehicle and the surrounding environs.
• Get an Official Inspection: Next up, call Kempthorn Motors. We can perform a third-party objective inspection of your vehicle, so you don’t have to rely on the insurance agency’s inspector.
• File the Claim: After you’ve received an official inspection, file your claim. Provide your agent with photos, your account of the damage, and our inspection report.  
• Wait for Your Settlement: An insurance adjuster will review your claim and pay your settlement out.

Have Questions About Hurricane Car Insurance? 

Do you need help with an objective claim inspection or help with preparing to file your claim? Do you have more questions about weather-related vehicle damages, or what type of car insurance covers hurricane damages? Contact our dealership in Canton! While you’re here, explore the benefits of choosing Kempthorn Motors for service and use our handy tool to identify if any recalls have been issued for your vehicle!