Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Policy design considers all sorts of losses. While some appear beyond the control of the policyholder, they are still treated in the same manner. Weather can contribute to a loss but that is factored into the design of the policy and development of the premium charge. Weather is often the cause of comprehensive losses. The deductibles still apply when adjusting a claim.
That is a great question! Unfortunately, I do not have a great answer for you. The deductible part of your insurance policy is designed to help lower the cost of that insurance by sharing the expense of repairs. The higher the amount you pay, typically the lower the cost of the policy. Unfortunately, the cause of the repairs is not a factor in having to pay your deductible. Whether it was your fault, their fault, or no one's fault, per your policy contract, you are obligated to pay the deductible. I'm sorry, but that is just how it works. Thanks for asking, though!
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
I am afraid not. If your car is damaged as a result of a covered peril, the settlement of your claim will include the application of our deductible. Now, if for example high winds caused a branch to break off from a tree and it landed on your windshield and destroyed it, if you have a "Full Glass Benefit" on your policy, then the replacement of that windshield will be settled without the application of the Comprehensive deductible.
CEO, RLI - Ruth Ladas Insurance, LLC, Fort Myers, Florida
Weather damage - counts under your comprehensive coverage line and it doesn't void your deductible. The deductible still applies, sorry!
However, in some states, like mine, Florida, there is a legislative mandate that vehicle glass coverage have a ZERO deductible. The glass is free regardless of what you policy deductible is.
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However, in some states, like mine, Florida, there is a legislative mandate that vehicle glass coverage have a ZERO deductible. The glass is free regardless of what you policy deductible is.