How to properly insure hail damage

Summer is the hail season. Everyone has lived this experience: in a few minutes a white layer of hail covers the garden. But beware: which insurance covers the damage?

Hail is by no means selective. Car, house or garden furniture – woe betide what isn’t covered. Depending on the damage, a different insurance component applies.

Hail damage to the car
The paint on the car can be damaged. Damage caused by hail falls under the category “natural events” and is covered by your insurance partial coverage. The full coverage already includes this coverage. Comprehensive insurance is optional, but strongly recommended!

Damage to the car: what to do?
Report the damage to your insurance as soon as possible, in any case before taking the car for repair because the insurance has the right to appraise the damage first.

In the event of large hailstorms, insurance companies such as Mobiliar often organize a so-called Drive-in where interested parties can have their damaged cars inspected. The amount of the repair costs is then estimated on the spot.

Hail damage to the house and furniture
Buildings insurance protects your home from damage caused by natural events, such as dented shutters. This insurance is compulsory in almost all cantons and is a monopoly of the cantonal building insurance. In some cantons, however, damage caused by natural events can be insured with any insurer. In some cantons, this insurance is even voluntary.

Damage to your furniture inside or outside your home caused by hail is covered by household contents insurance .

A garden devastated by hail
Homeowners often give little importance to securing outdoor spaces. However, a hailstorm can damage the outdoor seating space in seconds, destroy the lighting or ruin the garden pond. Restoring walls, seating areas or ponds with electrical installations can easily cost several thousand francs. These costs can be included in your housekeeping policy and stable with the simple supplement “outdoor accommodation insurance”.

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