Windshields, hail and flood: how weather damage is usually handled

Hail, flooding, falling branches and similar events are commonly covered under comprehensive coverage if you have it. Liability coverage does not pay to fix your own car. If you only carry the legal minimum, weather damage may be your own cost.

A chip can turn into a crack. Some insurers offer repair for small chips with a reduced or waived deductible, and some states have special rules for glass. Read your own policy to see how your insurer treats it.

Flood damage to a car is usually a comprehensive matter, but the details matter. Vehicles that have been in standing water can have hidden electrical and mechanical problems, so many people ask for a professional inspection.

Hail can leave many small dents. Insurers often use repair methods or total-loss decisions that depend on cost. Ask whether repairs are cosmetic or structural, and keep records.

• Know where your declarations page is and what your comprehensive deductible is.
• If a storm is coming, move the car to covered parking if you can.
• Take dated photos of your car when it is in good shape.