comprehensive coverage, covers theft, vandalism, hail, etc...
the claims adjuster can usualy tell if it was a clean tear/rip due to the above or if it was due to aging. some companies require a police report filed for theft and/or vandals.
and inclement weather can easily be verified.
if a tree on your property fell on your car, it could be covered under your homeowner's policy...but never, ever do this because a home policies are more sensitive to being non renewed due to 2 or more claims.