Homeowners insurance generally provides coverage for property damage caused by hail. The "comprehensive" coverage in an automobile insurance policy generally pays for hail damage to a vehicle.

Following are answers to frequently asked questions about insurance coverage and hail damage. American Family Insurance policyholders who have hail damage should report their claims to our 24-hour Claims Customer Care Center at 1-800-MYAMFAM (1-800-692-6326) or their American Family Insurance agent.

Hail - Homeowners

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• Can I start to make repairs to prevent further damage?

  • You should protect your property immediately against further damage and theft. Use plywood, tarps or other materials to cover broken windows and damaged rooftops. Keep the receipts of any materials/services that you purchase to make these repairs so your adjuster can review them and reimburse you for expenses covered by your policy.

• How will the inspection process work?

  • When a hailstorm creates a large volume of claims, we will typically establish one or more drive-in sites where policyholders can take their hail-damaged vehicles to be inspected and receive payment for repairs, less their deductible. These inspections take place on an appointment basis only, so it's important that you first report your claim.

    If your home has sustained hail damage, an adjuster will contact you at one of the phone numbers you provided when you reported your claim. The two of you will schedule an inspection of your home, after which the adjuster will develop an estimate and issue payment for repairs covered by your policy.

• Who do I call to make repairs?

  • You are free to select any contractor or repair shop you wish. It is usually best to select one who has operated in the area for several years, is insured and bonded and will give you a written guarantee for the work performed.

Hail - Auto

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• Who do I call to make repairs?

  • You are free to select any contractor you wish. It is usually best to select one who has operated in the area for several years, is insured and bonded and will give you a written guarantee for the work performed.

Have a question that you couldn't find here? Contact your American Family Insurance agent with your additional questions.

Return to Storm FAQ's.