If the shingles from my house damage my car during a hurricane in Florida, who pays for it—my auto or home policy?

Do I need to put in a claim for both my auto and home policies? We fared pretty well in the recent hurricane here in Florida. We just lost a few shingles and have cosmetic damage to our car.

“It is great to hear that you made out so well! Yes, you would have to file a claim with both your auto and homeowners policy for the damage. But read your home policy carefully before you do so!
Your comprehensive coverage covers wind damage and flying objects. Comprehensive losses are deemed not at fault, so as long as you have the coverage, feel free to file the claim.
If you don’t have the coverage, try downloading the Jerry app. Jerry shops low rates with over 50 carriers and you will have 24/7 access to your policy, ensuring you have the proper coverage going forward.
The homeowners policy may be a different story. Unlike an auto policy, you aren’t required to notify your insurance company about every minor loss—as long as you repair them right away to ensure no further damage to the home. You will want to ask yourself these three questions:
  • How much is my wind deductible?
  • Can I easily pay for the repairs out of pocket?
  • How often do I file claims?
If you live in a state that sees a lot of tornadoes and wind damage, you may have a separate wind deductible. It usually is a percentage of your coverage A (the dwelling portion of your home) and can run from 1%-10% depending on what you chose when you purchased the policy. If you don’t live in a high-risk area, you probably have a standard $500 or $1,000 deductible.
You may be thinking, what difference does it make? I want my shingles repaired. And of course, you do! But look at it this way: If your home is insured for $200,000 and your wind deductible is 5%, that means you are required to pay the first $10,000 of the repairs yourself. Plus, once you notify your insurance company about the loss, you may see an increase in your premium.
Have a roofer do an estimate of the repairs before you contact your insurance company. And do this immediately so there is no further damage to the home. A small shingle repair job could cost well under $2,000.”
Shannon Martin
Answered on Sep 10, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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