🌪️ What to Do If Your Vehicle Is Damaged by a Storm: Insurance Claim & Recovery Guide
Storms can strike without warning—leaving vehicles dented, flooded, or worse. Whether it’s hail, wind, or falling debris, this guide will help you document the damage, file your insurance claim, and get your vehicle back on the road.
📸 Step 1: Document the Storm Damage
- Take high-resolution photos of:
- Hail dents, broken windows, roof damage
- Fallen tree limbs or debris impact
- Interior flooding or electrical issues
- Record the date, time, and weather conditions (e.g., thunderstorm, hailstorm, tornado alert).
- Include video footage if available for insurance validation.
📁 Step 2: Prepare Your Insurance Claim
- Gather:
- Vehicle registration and ownership documents
- Photos and videos of the damage
- Police or municipal report
- Repair estimates from certified auto body shops
- Ask your insurer:
- Is storm damage covered under comprehensive insurance?
- What is the deductible?
- Will the vehicle be written off or repaired?
🧠 Step 3: Tips for a Smooth Claim Process
✅ Do:
- Act quickly—weather-related damage can worsen
- Keep all receipts and communication records
- Ask for a written claim summary
❌ Don’t:
- Start repairs before inspection
- Dispose of damaged parts
- Assume coverage without confirmation
🔧 Need Help with Repairs or Insurance Support?
Find trusted auto body shops, towing services, and insurance claim experts across Saskatchewan. All Shops Finder connects you with professionals who specialize in storm damage recovery.
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