Hail damage: which insurance company pays what

If there is hail damage to the car or your own home, it is important to contact the insurance company in good time so that you do not have to pay the costs. Read here which insurance is responsible.

Hail damage: This is how you proceed correctly in the event of damage to the car and house

In the case of hail, cracks in car windows, broken windows and other damage quickly occur. There are a few things you should consider to make your insurance claim.

• Document the damage, for example by photographing it. Testimonies are also helpful.
• If possible, repair the damage as a precaution. Broken panes should, for example, be covered with foil to avoid consequential damage. Because the damage reduction obligation applies.
• Report the damage as soon as possible.

Which insurance covers the damage?

Which insurance has to pay for the damage depends on what has been damaged and what caused the damage.

• The building and household insurance covers the damage caused by storm and hail itself.
• If your home has been damaged by a falling tree, the homeowners insurance is responsible.
• In order to be insured against damage caused by environmental influences, such as floods caused by heavy rain or flooding, you need a natural damage insurance.
• Motorists are insured against hail damage to their vehicle by fully and partially comprehensive insurance. Insurance cover also applies to damage caused by objects flying around.
• If the driver drives against a fallen tree, this is only included in the fully comprehensive insurance cover.