What Causes Hail Damage in Colorado?
Hail damage occurs when hailstones, which are balls of ice ranging from small pellets to golf ball-sized or larger, hit your car. The impact can crack or shatter the windshield, damage the windows, and even affect the car’s body. In Colorado, hailstorms are particularly common, with the state experiencing some of the highest hail activity in North America. The Front Range, including cities like Denver, Colorado Springs, and Fort Collins, is especially prone to frequent and severe hailstorms. These storms can produce hailstones that cause significant damage to vehicles, leading to costly repairs or even total losses.
What Does Hail Damage Look Like on Auto Glass?
Hail damage on auto glass can vary significantly:
- Minor Hail Damage: Small chips and cracks on the windshield or windows, which might not be immediately noticeable but can worsen over time.
- Severe Hail Damage: Large cracks, broken windshields, and shattered windows, requiring immediate attention.
What Size Hail Will Damage Auto Glass?
Hailstones as small as 1 inch (about the size of a quarter) can cause noticeable damage to auto glass. Larger hailstones can cause severe damage, including shattering windshields and breaking windows.
Should I Claim Hail Damage on My Car Insurance?
Deciding whether to claim hail damage on your car insurance depends on several factors:
- Extent of Damage: Minor chips and cracks might not be worth the deductible, whereas severe damage likely will be.
- Insurance Coverage: Comprehensive car insurance typically covers hail damage. Check your policy details to confirm.
- Cost of Repair: Compare the repair cost with your deductible and potential increase in future premiums.
Is Hail Damage Covered by Car Insurance?
Most comprehensive car insurance policies cover hail damage, including damage to auto glass. However, it’s essential to verify the specifics of your coverage, including the deductible and any exclusions.
How Long to Claim Hail Damage on Auto Glass?
Insurance policies often have specific time limits for filing claims. Typically, you should file a claim as soon as possible after the hail storm to avoid complications.
Can Hail Damage Be Fixed?
Yes, hail damage to auto glass can be fixed. The repair methods include:
- Windshield Repair: Suitable for minor chips and cracks, where technicians can fill the damage with a special resin.
- Windshield Replacement: Necessary for severe damage, involving the replacement of the entire windshield or window.
Can Hail Total a Car?
Severe hail damage can total a car if the repair costs exceed the car’s value. In such cases, the insurance company might declare the car a total loss.
What Happens if Your Car is Totaled from Hail Damage?
If your car is totaled from hail damage, the insurance company will pay you the car’s actual cash value (ACV) minus the deductible. You can then decide to keep the car (with a salvage title) or let the insurance company take it.
How to Protect Your Car’s Auto Glass from Hail Damage in Colorado
Preventive measures can help protect your car’s auto glass from hail damage:
- Use Covered Parking: Whenever possible, park your car in a garage or under a carport during hail storms.
- Windshield Protectors: Invest in a high-quality windshield protector specifically designed to absorb the impact of hail.
- Seek Shelter: If you’re driving during a hail storm, look for a safe place to park, such as under a bridge or in a covered parking lot.
Conclusion
Hail damage to your auto glass can be a significant inconvenience, but understanding how to address it and taking preventive measures can mitigate the impact. Always assess the extent of the damage and your insurance coverage before deciding whether to file a claim. With the right approach, you can protect your car and manage hail damage effectively.
If you experienced hail damage in Colorado’s latest hail storm, call Jiffy Auto Glass for fast scheduling. Our mobile services will come to you for windshield repairs or windshield replacement in Denver, Colorado Springs, Fort Collins, and surrounding areas. Submit an online auto glass quote here to get started today.