Hail Damage Insurance Claims in California: How They Work

Coverage type

Comprehensive covers hail. Collision does not apply.

Deductible

Comprehensive deductibles can differ. Check your policy.

Document

Photograph all panels in good light.

Independent estimate

The Auto Body Repair Consumer Bill of Rights lets you get one.

Total loss

Heavy damage on an older car can reach the threshold.

Photos that help an adjuster

Take photos on a clear day, from several angles, and include a close shot of each panel with dents. A flashlight held low across the panel at dusk shows dimples that overhead light hides. Include the license plate, the odometer and the surroundings, such as the street or lot where the car was parked.

Save the weather record for the date if you can. Some insurers accept a local weather report as supporting evidence.

What to expect from the process

Most hail claims start with an adjuster inspection, an estimate and a decision on repair or total loss. Ask your insurer which shops can reinspect, and remember that California's Auto Body Repair Consumer Bill of Rights lets you get an independent estimate from a registered shop.

If the adjuster's number is lower than the shop's, the usual path is a supplement with photos and a repair breakdown. Keep your communication in writing and keep copies of every estimate and approval before work starts.