AUSTIN (KXAN) — Hail injury was the primary weather-related insurance coverage declare final yr in Texas, making up 9% of all AAA Texas vehicle insurance coverage claims, with a median price of $5,700 per declare.
When golf ball-sized hail hit Travis county final March 25, the Insurance coverage Council of Texas stated the vast majority of claims in 2021 as much as that date got here from Travis and Tarrant Counties that week.
As we enter into extreme climate season, AAA Texas stated it’s value remembering that not all insurance coverage covers all climate occasions.
In relation to hail injury, most complete auto insurance coverage covers the repairs, however AAA Texas Spokesperson Daniel Armbruster stated it’s a good suggestion to double-check.
“It’s a must to learn over your coverage. Each coverage is completely different. When you’ve got questions, converse along with your insurance coverage agent,” he stated.
About 75% of car house owners additionally buy complete insurance coverage, in response to the Insurance coverage Council of Texas.
Along with hail, extreme climate season additionally will increase the chance of flooding. Armbruster stated flooding insurance coverage is barely required in sure conditions.
“In Texas, if your own home is in a delegated flood zone, your lender goes to require you to have flood insurance coverage,” Armbruster stated. “You normally have so as to add that on, and most flood insurance policies have a 30-day ready interval. Definitely, now that we’re in springtime and also you’re involved that you could be not be in a flood zone however there should be a possible for flooding, otherwise you’re involved about that, undoubtedly go forward and speak to your insurance coverage agent and begin that course of.”
As for hail injury, AAA Texas recommends parking your automobile in a storage or different coated construction, or driving to at least one in the event you’re out working errands when it begins hailing.
It additionally stated you wish to keep climate conscious and tune into native media, particularly on days the place a extreme climate alert is issued.
Should you don’t have a coated spot to park your automobile, contemplate protecting it with cardboard containers and even blankets to guard it towards hail.