Car Damaged By Storm

Car Insurance Claims for Storm Damage

Guide to making a successful car insurance claim for storm damage

Whether you were parked or on the open road, you are able to claim damage caused by a storm, including wind, hail, flooding and more, provided you have a suitable insurance policy. This article will provide guidance on what steps to take to make a successful claim if your vehicle is damaged by a storm.

First, check that you are covered

First you need to know that your car insurance policy actually covers storm damage. Typically, you will only be covered if you have a comprehensive car insurance policy.

Check the product disclosure statement (PDS) to see exactly what you’re covered for. Look for any mention of storm damage. If you can’t find it, you'll need to get in touch with your insurer to confirm whether or not you are covered.

What to do after storm damage to your car

  • Do not drive the damaged car. It’s not safe, and the insurer may reject your storm damage claim if you do.
  • Do not remove debris without documenting it. Ideally, avoid removing any debris until you have the go-ahead from your insurer. If you need to for safety reasons, take a photo with your phone first.
  • Call your insurer as soon as possible. Note that if large areas were affected by the storm there may be delays in the customer service lines.
  • Do not authorise repairs without contacting your insurer first. Unapproved repairs are unlikely to be covered by your insurance policy.

You will need…

  • Your name, address and driver’s licence number
  • Your insurance policy number
  • Your vehicle registration number
  • The date and, if possible, the exact time the damage occurred
  • Any other information requested by the insurer

Check the damage

The type of claim you make will vary depending on the source of damage:

  • Storm: General storm damage caused by intense weather.
  • Wind: Damage directly caused by wind, such as windows broken by debris.
  • Hail: The distinct dents and cracked or broken glass caused by hail storms.
  • Flood: Provides cover if your car is damaged by ground flooding, such as water coming up from storm drains. Other water damage, such as rain through broken windows, is not flooding and is usually covered under storm damage.

Note that these may vary depending on the insurer and the policy. Read your insurance PDS to see how it works for you. Many insurers will only mention broad categories like storm, weather or natural events, in which case you should claim all the damage under that.

Checklist: Documenting the damage

The easiest way to document the damage in detail is with photos.

  • Take full scene photos that show what happened, where your car was parked and the surroundings.
  • Take close-ups to show specific damage. You don’t need to take a separate picture of each dent, but should make sure that all damage is clearly shown in the photos.
  • Where necessary, you might want to label the photos with information such as “driver side door” to make them clearer.
  • Remember to check the interior. It’s important to document the damage as fully as possible.

Sending in your claim

Depending on your insurer, there are different ways of making a claim. You will need to send in a claims form and the documentation, either online or through the mail. Online will usually get you a faster response.

  • Fill out the claims form provided by your insurer. It will have sections for all the relevant information.
  • Send in your photos using the tools provided. In many cases your insurer will simply specify an email address you should send them to.

If you have a comprehensive car insurance policy, it may also cover a rental car while your vehicle is being repaired. If the storm has also damaged your home you will also need to check your home and contents storm cover.

Compare policies from Australian brands

Name Product Name Agreed or Market Value New Car Replacement Pay Monthly At No Extra Cost Choice Of Repairer Roadside Assistance Hire Car After Theft
Market
Optional - If your car is written off in the first 3 years
No
No
No
Optional - Up to $50 a day until your claim is settled
Save 24% on your policy if you've been claim free for 3 years.
Agreed
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
Buy online and save 15%.
Agreed
Yes - If your car is written off or stolen in the first 2 years
No
Yes
Yes
Yes - Reasonable costs (Max 14 days)
Emergency roadside assistance included in Comprehensive policies.
Agreed
Yes - If your car is written off in the first 2 years
Yes
No
Optional
Yes - Up to $70 per day (Max 14 days)
Save up to 10% when you buy online.
Agreed
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
Save 15% when purchasing online. Eligible customers can earn 5,000 Velocity Frequent Flyer Points when purchasing a new policy by 31 Dec 2018. Excludes NT. T&CS apply.
Agreed
Yes - If your car is written off in the first 2 years
Yes
No
No
Yes - Up to $70 per day (Max 14 days)
Transforms your driving so it's 100% carbon neutral.
Agreed
Yes - If your car is written off in the first 2 years
Yes
Yes
No
Yes - Up to $100 per day (Max 30 days)
Buy online and save up to 10% on your policy.
Agreed
Yes - If your car is written off in the first year or is under 20,000 km
No
No
Optional
Optional - Up to $60 per day (Max 14 days)
Save up to 20% on car insurance when you purchase cover online.

Compare up to 4 providers

Picture: Shutterstock


Get the latest car insurance news

Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
Go to site