Hail Damage and Autos:
Comprehensive coverage is required and must be purchased before the event. This coverage is subject to a deductible, unless a zero deductible endorsement is added to the policy for additional premium. Storm damage is considered a covered event of comprehensive as most of the time these events come unexpectedly. In most cases the cost of repairs for hail damage does exceed the deductible which will be due at the time that you get your vehicle repairs.
It is possible that your vehicle can be totaled if the hail damage is extensive enough depending on the value of the vehicle.
Hail Damage and Homes:
Hail hits without warning and is often unavoidable. This is also covered under your homeowners insurance and is subject to a deductible. Hail can damage window ledges, roofs, siding as well as other property damage. It is important to note that all hail does not cause damage. Normally hail needs to be at least 3/4 inch or dime sized. You will need to let the insurance company know as soon as possible after an event, as well as have it inspected by a professional to see if the damage is hail storm related. From there the insurance company will determine if there is damage and applicable coverage to extend.