Call your insurance agent or call the 800 claims number on your policy papers.
The tow company is responsible for damage they did to the vehicle, if they claim they didn't do it you have to prove it and make a claim/sue them, otherwise you need to claim it on your insurance.
I've had a similar issue - I was told to make my neighbour personally liable for any damage and subsequently they can make the claim asked the personal liability section of their house insurance. Thus their house insurance settling my claim for damages
Sure, you can make a claim for the damage done to the car if you have physical damage coverage. As for the home, only your home insurance will pay for the damage to the house. The house insurance will not pay for a car and an auto policy will not pay for a house. Even if the same incident gets both.
A comprehensive insurance policy would probably cover damage as described. However, the deductible and potential premium increase for making a claim might make it more advantageous to not make a claim.
You make the claim as soon as possible within reason after the roof damage occurs. If your roof was already damaged prior to purchasing the policy. it will not cover pre-existing damage.
The auto insurance claim is when you make a request for an insurance company to pay for the damages to your car or another vehicle. The insurance company will then take your facts, compare them to a police report if available, look at the extent of damage on vehicles, among other things. Then they'll make determinations and issue checks from there.
A lightning strike has very much the same effect on electrical appliances as a power surge. An electrician will not easily tell the damage from these two events apart. Insurance covers for lightning, not for a power surge. So in short, claim for lightning damage, not power surge damage.
Whether or not you should make a claim against your insurance depends on the amount of the damage. In this state, if you make a claim against your own collision insurance, your insurance will go up by several hundred dollars a year for three years, so you are talking a thousand dollars. Say you have $200 deductible. Then your break even point is about $1,200. If the other guy caused the accident, make his insurance pay!
Most insurance companies consider the blown tire as a comprehensive claim. Make sure of this by asking the adjuster at the beginning of the claim. If you lost control and hit something then it probably would be a collision. A blown tire that just has damage to the fender well you could probably get them to treat as a comprehensive.
Since it was caused by the vehicle, the vehicle insurance should cover it. Most home owners insurance companies would probably make a claim against the auto insurance company, if they covered it.
To be safe you should tell your home insurance company. It is better to be safe rather than sorry. You could get into serious trouble if you fail to claim something you need to claim.
In order to make an accident insurance claim, one must provide the details of the accident and, if relevant, who was involved. The date and time of the accident and the extent of the damage are also necessary.