Most comprehensive policies cover windshield damage. Here's what to expect - and how to find a business near you that will handle the claim for you.
If your policy includes comprehensive coverage, glass damage is usually covered. You'll typically owe your deductible for a full replacement; many insurers waive the deductible entirely for a repair (rather than a replacement) since it's cheaper for them to fix a chip than replace the whole windshield.
Your deductible amount depends on your specific policy - check your declarations page or call your insurer to confirm. A handful of states (Florida, Kentucky, and South Carolina) require insurers to waive the deductible for windshield repair or replacement by law. Some other states offer a $0-deductible glass option you can add to your policy.
No - Windshield Heroes is a directory that connects you with independent auto glass businesses. We don't process claims or bill insurers ourselves. Businesses marked "Accepts insurance" on their profile have told us they'll verify your coverage, handle the paperwork, and bill your insurer directly on your behalf, the same way most local shops and national chains do.
When you request a quote, choose "Use insurance" and tell us your insurance company. The shop that responds will confirm your coverage and deductible with your insurer before the appointment, so you know exactly what (if anything) you'll owe out of pocket.
That works too - choose "Pay myself" on the quote request and the shop will quote you a straightforward out-of-pocket price, no insurance paperwork involved.