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Hail damage to vehicles in shop.

ADP

By ADP
in General Automotive Discussion

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ADP Apprentice

ADP

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We just had a really bad hail storm blow through the shop. To make a long story short every truck facing north (9 of them) got windows busted out, and extensive hail damage. We had what we could in the shop, but there was a lot of them outside. Should we be responsible for the damage done to the trucks? I'm not really sure how to handle this. I don't want a bunch of angry customers when we tell them to file it under there insurance. Just not real sure what to do right now. I will be getting in touch with my insurance guy tomorrow and see what he says.

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ADP Apprentice

ADP

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That's kind of the way I think of it. There was no neglect on our behalf. Nothing really we could have done about it. I'm still contacting my insurance this morning to make sure we don't have coverage for this type of thing, but I'm thinking the customers insurance is going to be responsible for their own vehicle.

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Gonzo Grand Master

Gonzo

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I had several cars in a hail storm many years ago. I ran into this very same problem. The results were that my insurance company would cover cars that were in the shop and or damaged by any means that we caused while the car was parked outside our building. NOT natural disasters. Their conclusion was that if the car would have been in a mall parking lot or any public parking area (Such as the outdoor parking area at the shop I had) anyone could park there even if they were not a customer at the time. So it becomes their risk and not yours. Their personal insurance had to cover any natural catastrophe or act of god. I had one guy bitch me out, but after talking to his insurance company the matter was taken care of by them. All ended well.

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ADP Apprentice

ADP

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So far my insurance company says they will take care of them. They are sending out an adjuster next week. So far I have contacted all the customers involved and all but 1 seems ok with it. The one guy is all upset, thought his truck was going to be in the shop getting worked on. Told him when we talked the week before that once it got dropped off at the shop it would probably be a few days before we could get to it. He had just dropped it off the day before. I'm sure after it's all said and done he will be ok with the situation.

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