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Hail damage claims by state


Insurance claims for hail damage jumped 48 percent from 2015 to 2016, with Texas, Colorado and Nebraska ranking highest, respectively, for the number of hail damage claims filed, according to the National Insurance Crime Bureau (NICB).

Texas totaled more than four times as many hail claims as the second leading state, Colorado, and had 39 percent of all the claims filed last year, according to an NICB analysis of insurance claims from the Insurance Services Office (ISO) ClaimSearch database.

Of the 965,000 hail damage claims filed last year, 32 percent were for damage to cars. 

Hail damage claims by state, according to the NICB analysis of ISO claims:

State 2014 2015 2016 Total
Alaska 11 16 13 40
Alabama 3,657 4,928 2,357 10,942
Arkansas 5,083 12,948 19,601 37,632
Arizona 2,826 10,401 5,106 18,333
California 1,233 1,749 2,473 5,455
Colorado 100,127 56,773 90,002 246,902
Connecticut 144 106 73 323
DC 15 19 143 177
Delaware 2,837 77 360 3,274
Florida 11,890 14,452 11,013 37,355
Georgia 6,506 11,980 5,998 24,484
Hawaii 42 20 6 68
Iowa 35,142 9,233 10,845 55,220
Idaho 788 557 517 1,862
Illinois 63,853 40,246 26,502 130,601
Indiana 22,102 14,291 21,750 58,143
Kansas 39,415 39,000 49,864 128,279
Kenucky 8,748 11,175 14,799 34,722
Louisiana 10,060 8,270 10,334 28,664
Massachusetts 206 7,820 273 8,299
Maryland 1,763 4,053 5,600 11,416
Maine 62 1,783 190 2,035
Michigan 9,680 5,330 2,564 17,574
Minnesota 16,786 34,324 20,759 71,869
Missouri 45,478 37,823 56,736 140,037
Mississippi 2,131 2,394 5,725 10,250
Montana 20,904 4,998 16,707 42,609
North Carolina 12,153 13,118 20,003 45,274
North Dakota 2,810 2,119 12,565 17,494
Nebraska 80,733 23,791 58,142 162,666
New Hampshire 104 204 71 379
New Jersey 3,656 387 2,235 6,278
New Mexico 10,452 23,396 11,529 45,377
Nevada 207 187 711 1,105
New York 5,585 805 482 6,872
Ohio 8,966 7,974 6,666 23,606
Oklahoma 11,889 28,788 15,925 56,602
Oregon 623 196 265 1,084
Pennsylvania 49,402 10,233 4,836 64,471
Rhode Island 21 31 18 70
South Carolina 25,796 6,838 12,384 45,018
South Dakota 30,927 17,150 8,325 56,402
Tennessee 6,757 2,249 4,045 13,051
Texas 135,927 161,099 378,652 675,678
Utah 181 205 2,440 2,826
Virginia 3,831 3,762 16,145 23,738
Vermont 3,543 118 84 3,745
Washington 280 245 213 738
Wisconsin 19,565 12,882 14,912 47,359
West Virginia 1,507 1,080 5,876 8,463
Wyoming 5,065 2,498 8,319 15,882
Total 831,469 654,121 965,153 2,450,743

Hail damage and car insurance

If your car is dinged by ice balls falling from the sky, you can decide to live with the cosmetic damage or you may want to file a hail damage claim to have it repaired. Before you reach for your car insurance card, here are five must-know considerations:

  • You must have comprehensive insurance coverage, which also covers theft, vandalism, water damage and animal strikes, to file a claim.
  • You will have to pay your deductible amount, so it's prudent to assess the repair costs – if you have just a few dents, the cost to fix your car will not exceed your deductible. Esurance pegs the average cost to repair each dent at $50 to $125. Major hail damage could be several thousand dollars and can total a car, in which case a claim makes sense. For minor damage, you might want to visit a paintless dent repair shop and avoid a claim.
  • Your car insurance rates typically won't increase if you make a hail claim, as generally insurance companies won't hold you accountable for damage caused by severe weather. If, however, you've had other recent claims on your policy, your insurer may hike your rates.
  • If you do file a claim, have the insurance adjuster inspect your car in the shade or in a garage, as bright sunlight can obscure dents.
  • Once your insurance company completes its estimate of the cost to fix your car, take your vehicle to a repair shop of your choice and get a comparison estimate. Typically, if there's a big discrepancy, your repair shop can contact your insurer with the information and have your insurer provide a revised estimate or have the insurer approve its estimate.

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3 Responses to "Hail damage claims by state"
  1. Dinged&Dented

    After going through the insurance adjuster phase of a hail claim ordeal, we're still debating whether or not to just live with the mostly moderate cosmetic issues. Reason? The estimate for PDR repairs was 4.5k and almost certainly will be seen on Carfax and what does that mean for resale? Many don't care how well the repairs were made - they just want your vehicle for cheap even if hail damage doesn't affect how it runs.

      Reply»  
  2. Casey Jones

    Wow, I didn't realize that hail damage is such a big deal. Thankfully I haven't had to experience this before. However, I am moving to Texas next month so I will definitely experience this soon I am guessing.

      Reply»  
  3. Deanna R. Jones

    Thanks for the information! I'm surprised that Texas gets the most claims for hail damage.

      Reply»  
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