Texas Hail Season Is Coming Soon
If you are out and about on a day when the angry sky opens up and hurls ice balls at your car, there are a number of things you can do to prevent further damage. There are also some things you should never do, no matter what.
You definitely want to stay in your car. Your wellbeing is infinitely more valuable than your automobile.
Hail storms rarely cause fatalities but according to the Weather Channel and the National Oceanic Atmospheric Association, around 25 people are injured by hail each year. The risk has more to do with the lightning and wind that accompanies a severe storm.
What Causes Hail to Form
This post discusses how a water droplet turns into a destructive ice ball:
Hail forms when thunderstorm updrafts are strong enough to carry water droplets well above the freezing level. This freezing process forms a hailstone, which can grow as additional water freezes onto it. Eventually, the hailstone becomes too heavy for the updrafts to support it and it falls to the ground.
Hail falls at a fast speed so if you are driving, slow down as quickly and safely as possible. Look for any shelter you can park under, such as an overpass.
This video goes through a series of tips for what to do when you are caught off guard in a bad storm:
In the last 12 months, the San Antonio area has had 76 reports of on-the-ground hail by trained spotters and has been under severe weather warnings 20 times.
Unfortunately, severe hail occurs most often in a triangular region from west Texas to northwest Missouri to the western Dakotas.
In addition, Texas, Kansas, Oklahoma, and Nebraska average the most days with damaging hail larger than golfball size. The only good news is that the majority of Texas hailstorms happen in the western part of the state.
Accessing The Damages
Hail causes $1 billion in damages to crops and personal property each year. If your car has been pitted out by hail, here’s what you need to do:
Your auto insurance policy typically covers damage caused by hailstones to your car — depending on the type of coverage you have. If you carry comprehensive coverage, you’re financially safeguarded against a whole host of hazards — including hail damage. However, a basic liability policy won’t help pay to repair your ride after a hailstorm.
It’s wise to inspect your ride for damage as quickly as possible after a hailstorm (in addition to protecting it from the elements in the first place, especially since it can help with the claims process). If you do carry comprehensive coverage on your policy, file a claim for repairs as soon as you can so you can get your ride back to normal sooner rather than later.
Read the full post here: Does car insurance cover hail damage
Once it’s paid off, you have to decide if having full coverage is worth it compared to the value of your car. If you take pride in the look of your car and want to keep it in tip-top condition, call your local San Antonio dent repair specialist to get an estimate.