My Car Was Destroyed by Hail in Fort Lauderdale While Parked on My Property: Does Home Insurance Cover the Loss?

If you have lived in Fort Lauderdale for many years, you’re probably aware of the threat posed by severe hailstorms. These chunks of ice can seriously damage your vehicle, potentially causing considerable losses. If you walked out of your home one day to find your vehicle smashed to pieces by hail, you might be wondering whether your insurance covers this type of loss. This may be a conversation worth having with a Fort Lauderdale property insurance lawyer.

Hail Can Easily Damage Vehicles in Fort Lauderdale

If you’re struggling with a vehicle damaged by hail in Fort Lauderdale, you’re not alone. Although this region does not receive the worst hail of the entire state, it is nonetheless a legitimate threat. In 2026, hailstorms in the area caused numerous vehicles to suffer dents and broken windows. In certain situations, hailstones can reach the size of golf balls.

Some homeowners cover their vehicles with blankets to prevent this type of damage. However, it is often impossible to predict when hailstorms will strike. Another obvious tactic is to put your vehicle in a covered garage. However, not everyone has access to covered garages, and some have no other choice but to park on the street.

Home Insurance Does Not Cover Hail Damage to Your Vehicle

Unfortunately, standard home insurance in Florida does not cover hail damage to your vehicle. Even though the vehicle might have been parked on your premises during the hailstorm, it is not considered a “covered peril” under your home insurance policy. Home insurance only covers hail damage to permanent fixtures on your property, such as roofs, windows, fences, and gazebos.

You Will Need to Turn to Your Auto Insurance Instead

As long as you have “comprehensive” auto insurance on your vehicle, you should be able to file a claim and recover compensation for the cost of repairs. However, you may need to consider the pros and cons of filing a claim. Sometimes, an auto insurance policy does not cover minor cosmetic damage.

In other situations, the cost of repairs might be lower than your deductible. You also need to consider the fact that filing a claim may increase your premiums going forward. While discovering hail damage to your vehicle can be incredibly frustrating, repairs may be less expensive than you realize. Several auto shops in the Fort Lauderdale area specialize in this type of service, which has become increasingly important to local residents over recent years.

Contact Our Fort Lauderdale Property Insurance Lawyers Today

At Fuxa & Tyler, our legal team is made up of a diverse combination of attorneys who are well-positioned to protect the legal rights and financial interests of policyholders. If your property insurance claim was denied, we can help. For a free consultation, please call us today at (954) 990-5251. With an office in Sunrise, we represent policyholders in Broward County and throughout the state of Florida.

Source:

 fox35orlando.com/news/hail-damage-is-it-covered-by-car-or-home-insurance-tips-on-protecting-your-car-home-from-hailstones