CarInsurance.com Insights
- Most weather-related car damage is covered under comprehensive insurance, not collision. Comprehensive protects against non-crash events like hail, flooding, falling trees, and wind damage.
- Hail and flooding are among the most expensive weather claims, often leading to total losses when repair costs exceed a vehicle’s value.
- A deductible applies to comprehensive claims, meaning you pay your selected amount before insurance covers the rest.
- Liability coverage does not pay for weather damage to your own car. You must carry comprehensive coverage to receive payment for storm-related losses.
- Prompt documentation speeds up claims processing. Photos, police reports (if required), and preventing further damage can reduce delays and disputes.
Extreme storms and floods can happen without warning. Driving in hazardous weather can damage your vehicle and leave you with thousands of dollars of repairs or a total loss. Comprehensive car insurance typically provides protection coverage during storm-related damage to a car, such as hail, falling debris, floods and fires.
According to the Federal Emergency Management Agency (FEMA), some federal disaster assistance may be available to help those without vehicle coverage pay for damages and weather-related costs.
To ensure you know what to do when weather strikes, learn about some of the most common weather car insurance claims and the steps to take during the aftermath.
What are the most common car insurance claims for weather?
When purchasing car insurance, you’re likely considering coverage necessary for road accidents, moving violations and uninsured motorists. You’re probably not thinking about what happens when golf ball-sized hail pounds your truck or hurricane waters rush into your car.
These weather-related claims must be considered when determining your coverage. For many, comprehensive car insurance provides that peace of mind protection.
The average annual cost of comprehensive coverage nationwide is $260. Comprehensive, or other-than-collision coverage, provides coverage for damage caused by the following:
- Natural disasters (earthquakes, floods, hurricanes, tornadoes and volcanic eruptions)
- Fallen items (trees, branches or ice)
- Fire
- Hitting an animal or bird
- Riots and vandalism
Some of the most common weather car insurance claims involve damage from high winds and falling debris, lightning strikes and fires, hurricanes, flooding and hail storms. Here are the most common weather insurance claims:
1. Flood
Rivers rise, rains wash out roads and storms surge waters over banks. When your vehicle experiences flood water damage — soaked floorboards, water in the electrical system or being submerged in saltwater — you must take action.
When it’s safe to do so, assess the damage to the vehicle, work on getting it immediately out of water and do not start it. These factors will be important when filing a claim and ensuring you don’t damage it further.
2. Hail
Hail can occur without much warning. Large, fast-moving ice particles can dent your vehicle’s body and crack windshields. This significant damage can be challenging to repair and your insurance company may deem it a total loss.
You must take photos of the damage as soon as it’s safe to ensure you have documentation for a hail car insurance claim.
3. Hurricanes
While warnings and tracking are standard procedures for hurricanes, avoiding water and wind damage to your vehicle is not always possible. Water can surge from rivers and bays, and falling debris and strong winds can damage your vehicle.
While most comprehensive car insurance covers hurricane damage, there may be other instances where collision insurance coverage comes into play — such as hydroplaning and crashing. Taking photos and documenting what happened before making a claim is essential.
4. Lightning and wildfires
Thunderstorms, lightning and fires can occur suddenly and move quickly — tree branches can fall on your vehicle and damage the body or windows. Lightning can also strike your vehicle, leaving scorch marks, peeled paint, blown-out windows and tires, a fried electrical system or it can start a fire.
Lightning can also create wildfires, which can engulf your vehicle and destroy it. As long as events outside your control caused the fire, the damage should be covered under comprehensive insurance.
Before starting a claim for lightning damage, it may be advisable to tow the vehicle to a mechanic for a thorough review. It’s also a good idea to take photos and document the incident.
5. Tornadoes and windstorms
Dark skies, swirling tunnels and winds that destroy anything in its path create a situation that can damage your vehicle should it fall within its path. High winds create flying debris and falling branches and a tornado can total your vehicle.
If a tornado or windstorm damages your car, time is of the essence. You’ll want to make a claim as soon as possible to ensure you’re ahead of other claimants, and you may need to claim it as a total loss to receive an actual cash value (ACV) payout.
What kind of weather damage is covered by auto insurance?
| Weather Event | Covered by Comprehensive? | Covered by Collision? | Covered by Liability? | Notes |
|---|---|---|---|---|
| Hail Damage | Yes | No | No | Dents, cracked windshields, and body damage are typically covered under comprehensive (deductible applies). |
| Flooding | Yes | No | No | Includes water damage from heavy rain, flash floods, or hurricanes if comprehensive is active. |
| Wind / Tornado Damage | Yes | No | No | Covers damage from debris, falling branches, or overturned vehicles due to wind. |
| Falling Trees or Branches | Yes | No | No | Covered even if the tree falls from another property. |
| Lightning Strike | Yes | No | No | May cover fire or electrical system damage caused by lightning. |
| Hurricane Damage | Yes | No | No | Treated like other storm-related non-collision damage. |
| Fire (weather-related) | Yes | No | No | Wildfires or storm-related fires are covered under comprehensive. |
| Accident Caused by Slippery Roads | No | Yes | No | If you slide on ice and hit something, collision coverage applies. |
| Damage to Another Person’s Car | No | No | Yes (if you’re at fault) | Liability covers damage you cause to others, not your own vehicle. |
What to do when disaster strikes
When the storm passes, it’s time to assess the damage. It’s important that you act immediately to ensure you can start on your auto insurance claim and determine your next steps.
Remember that this is a process and can take time. It may be a good idea to start to plan backup transportation to your job, school and other necessities such as groceries, laundry and childcare facilities.
1. Contact your insurance company immediately
Call your agent or insurance company and begin discussing the claims process. Your insurance company can provide you with the following information:
- Claim deductible and what out-of-pocket costs may remain
- Property damage coverage based on your policy
- How long it will take to process the claim
- Necessary documentation
- Approved mechanics and estimated repairs
Your insurance company may ask you to tow your vehicle to a mechanic to begin an assessment process. Your vehicle may also be deemed a total loss, where the damages are more expensive than the ACV, and your insurance company will mail you a check payout after the claims process is complete.
2. Don’t drive if safety is in doubt
Floodwaters, lightning and fire can significantly damage your vehicle. In some instances, starting your vehicle, especially with salt water, can further damage your vehicle. In the aftermath of these weather events, or if you doubt the state of your car, don’t drive it.
You can tow your vehicle to an auto shop for a thorough damage assessment, which can provide additional documentation for the claims process. If your vehicle must be moved from its location for safety reasons, you can attempt to push it to a safe place until it can be professionally moved.
3. Assess the vehicle’s condition
After the storm has passed, it’s time to assess your vehicle’s damage. Your safety is a priority, so approach your vehicle cautiously and watch for downed power lines, large branches and large amounts of water.
Walk around the vehicle and write down what you see and what happened. If possible, write about the inside of the vehicle — damage to seats, dash, flooring and windows — and look under it to note what damages you can see.
Your assessment should also give you a good idea of whether the vehicle is safe to drive. If the damage is mostly surface level and doesn’t involve large amounts of water, you can drive it in for repairs. However, before starting it, talk to your insurance agent.
4. Document the damage via photography and video
In addition to your written documentation, compiling visual documentation of the damages is essential. You can continue walking around the vehicle with a camera that features the date and time and get a series of photos — wide angle, medium framed and close-ups — to document damages thoroughly.
It’s also helpful to take videos and, if possible, immediately document rushing water, fire, smoke, or other aftermath damage. Video can also help capture the location around your vehicle, such as where it occurred and the landscape surrounding it, to inform your claim better.
5. Be prepared to wait
Auto insurance claims take a lot of work. You must anticipate waiting several weeks to 30 days on average — after some weather events it could take even longer. When it comes to cosmetic damage from hail or windstorms, you may be able to resolve your claim in a couple of weeks.
However, for claims involving extensive water and wind damage that require an insurance assessor and documentation, it is wise to look at short-term transportation for your needs. This may include public transportation, family and friends, ridesharing services or an insurance-funded rental car.
Once your insurance company gets you a decision, whether that’s an estimate on the repairs and auto shop or a total loss check payout, you can move forward from your weather car insurance claim.
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Final thoughts on common weather claims
When determining the best coverage for your vehicle, take stock of where you live and what common weather damage you may experience. Understanding the most common weather insurance claims (those involving hail, water, wind and fire damage) and how the process works can help you in the aftermath of a weather-related incident.
Remember that comprehensive insurance provides an affordable option for events outside your control — natural disasters, weather and an animal darting before you. Typically, collision car insurance coverage only covers accidents involving crashes and accidents and when paired with comprehensive, your vehicle is considered fully protected.
Frequently Asked Questions: Common auto claims
What type of auto insurance covers weather damage?
Comprehensive coverage pays for vehicle damage caused by weather events such as hail, floods, tornadoes, hurricanes, lightning, and falling debris. Collision coverage does not apply unless the damage results from a crash.
Is flood damage covered by car insurance?
Flood damage is covered if you carry comprehensive coverage. Without comprehensive, flood damage to your vehicle is not covered under a standard auto policy.
Does insurance cover hail damage to a car?
Yes — hail damage is typically covered under comprehensive insurance. Your deductible applies, and if repair costs exceed the vehicle’s value, the car may be declared a total loss.
What should you do after weather damages your car?
- Document the damage with photos and video
- Prevent additional damage if possible (e.g., cover broken windows)
- Contact your insurer promptly
- Avoid permanent repairs until your insurer inspects the vehicle
Acting quickly can help speed up claims approval.
Can your car be totaled from weather damage?
Yes. If repair costs exceed your car’s actual cash value (ACV), insurers may declare it a total loss and pay the vehicle’s market value minus your deductible.
Does comprehensive coverage increase rates after a weather claim?
Comprehensive claims generally have less impact on premiums than at-fault collision claims, but rate changes depend on insurer practices and overall risk patterns in your area.
Resources & Methodology
Sources
- Federal Emergency Management Agency (FEMA). “FEMA might help with storm-related vehicle damage.” Accessed February 2026.
- Insurance Information Institute. “Settling insurance claims after a disaster.” Accessed February 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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