Hail Damage Insurance Claims: Did You Know?

If you have comprehensive vehicle insurance, hail damage is covered by your policy. However, insurance companies often try to minimize their financial exposure when you file a claim. Partnering with a professional repair shop can help you manage your insurance claim and ensure you receive the full cost of your repairs.

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Understanding Initial Insurance Estimates

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Insurance companies typically start with low-ball offers. For instance, a major insurance company paid out $3.5 billion in hail damage claims in 2022, but initial estimates only covered about 30% of the total repair value. Here’s why you should never accept the first offer and some crucial facts about hail damage claims:

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• Initial Estimates: These are often based on videos taken by clients, missing many dents. In contrast, a thorough inspection under high-intensity PDR lights ensures every dent is accounted for, providing a full repair cost estimate.
• Avoid Low-Ball Offers: Schedule a free 1-hour custom estimate with a professional repair shop to get a complete and accurate repair cost assessment.

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The Reality of Generic Repair Shops

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Insurance companies prefer you to use their partner body shops. These shops often cut corners to stay within cost thresholds, which can lead to subpar repairs.

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• Cost Thresholds: If repairs exceed a certain amount, the insurance company might declare your vehicle a total loss. Partner shops may use quick fixes to avoid this.
• Specialization Matters: Generic repair shops are not specialized in hail damage repair. For instance, would you see a foot doctor for back pain?

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Why Choose a Specialized Repair Shop for PDR

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Paintless Dent Repair (PDR) is the most effective method for hail damage repair. However, it requires experienced technicians and specialized tools.

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• Expertise and Tools: Most generic shops lack the necessary skills and tools for PDR, often contracting out the repair or using scrapyard parts, which can decrease your vehicle’s value.
• Manufacturer Parts: A specialized shop like 48-Hour Auto Hail Repair uses parts directly from the manufacturer, ensuring quality and maintaining vehicle value.

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Avoiding Deductible Costs

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Generic repair shops partnered with insurance companies will often make you pay your deductible. However, some specialized shops offer programs to alleviate this cost.

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• Pay $0 Deductible Program: At 48-Hour Auto Hail Repair, you can opt into this program and have your insurance claim managed to ensure you get everything you deserve.

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Book Your Estimate

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Don’t settle for low-ball offers or subpar repairs. Schedule a FREE 1-Hour Custom Estimate with 48-Hour Auto Hail Repair by calling (720) 734-5148. Ensure your vehicle receives the best possible care and your insurance claim covers the full repair costs.