[Scrmegl]

Steve is correct. I am a Farmers Agent and I recently spoke with an Underwriter on this issue. If you have verification of what was installed on the car and it is an item that is "bolted" on it will in most cases be covered. It is recommended to let your agent know what you have so it is noted ahead of time. Dated photos work nice. The underwriters were more worried about full body kits and such since that is more likely to be damaged. Other companies may not be as lenient so you should ask your agent.