Can You Claim Hail Damage Multiple Times?

Curious about whether you can make a second hail damage claim? Here's everything you need to know about filing multiple claims.

‍

Each year, about 750,000 hail damage claims are filed with auto insurance companies in the US. Texas leads the nation in hailstorms, recording approximately 458 hail-related events in 2022. If you're a car owner in Texas, chances are you've dealt with hail damage before.

‍

In this article, we’ll break down the claims process and explore whether it's possible to file for hail damage more than once. Keep reading to learn how to navigate the process and get your vehicle back in shape quickly.

‍

Can You File Multiple Hail Damage Claims?

‍

The simple answer is "yes." You are allowed to file as many hail damage claims as needed. Texas courts recognize concurrent claims, meaning you can pursue compensation for multiple incidents.

‍

However, your coverage will only apply to damages outlined in your insurance plan—something most policyholders already expect. It's essential to review your insurance provider's specific guidelines. Coverage terms and limitations can vary depending on your policy.

‍

Why Would You Claim Hail Damage Multiple Times?

‍

It's important to note that filing multiple claims doesn't mean making claims for the same damage. Usually, this happens when your vehicle sustains hail damage from separate events during your policy period. You may have multiple claims open simultaneously if a prior claim is unresolved when a new incident occurs.

‍

Whether the events happened on the same day or years apart, the key factor is that the claims overlap in processing. The primary reason for filing separate claims is that insurance policies typically don’t allow combining incidents into one claim. Filing individually ensures you receive compensation for all damages from each event.

‍

How Can You Do This?

‍

To start, evaluate your vehicle to determine the extent of the hail damage. Document everything carefully with detailed photos from multiple angles. Next, contact your insurance provider. A claims adjuster will guide you through how many claims can be submitted and provide an estimate of the compensation you may receive. This will help you plan for repairs effectively.

‍

Here’s a step-by-step guide for filing a claim:

‍

• Take photos of the damage and store them securely.
• Get a repair estimate from a reliable professional.
• Avoid initiating repairs before filing your claim.
• Compare the repair estimate with your insurance deductible.
• Contact your insurance company and file a comprehensive claim.
• Collect the settlement amount (minus the deductible) if the vehicle is repairable.
• Proceed with repairs at the professional body shop that provided the estimate.

‍

You'll need to repeat this process for any subsequent claims.

‍

Can Multiple Claims Impact Your Insurance Policy?

‍

Most hail damage claims fall under comprehensive coverage. In Texas, comprehensive coverage handles non-collision damages, including hail dents. Filing a single comprehensive claim typically won't affect your insurance premium.

‍

However, submitting multiple claims can result in higher annual payments. For instance, filing two claims within a year may increase your premium by about 8%, according to carinsurance.com data.

‍

This increase reflects how insurance companies assess risk. Policyholders with frequent claims are seen as higher risk, leading to increased premiums. Additionally, insurers reserve the right to non-renew policies for customers with excessive claims.

‍

While two claims are unlikely to cause significant issues, it's worth considering how frequent filings could impact your relationship with your insurer.

‍

Are 2+ Claims Worthwhile?

‍

Deciding whether to file multiple claims depends on factors like your deductible, the extent of damage, and potential premium increases. Compare the costs of repairs out of pocket versus the benefits of filing another claim.

‍

Consulting with paintless dent repair experts can help you determine repair costs and guide your decision-making process.

‍

Start Fixing Hail Damages Professionally

‍

Now that you understand the process of claiming hail damage more than once, it’s time to take action. 48-Hour Auto Hail Repair specializes in fixing hail damage on all types of vehicles.

‍

We offer paintless dent repair services for cars, trucks, and more. Reach out for a free custom estimate, and let us help you restore your vehicle efficiently and hassle-free.