What Should You Do If Your Vehicle Is Damaged By Hail?

In 2020 alone, State Farm paid out $31 billion in hail claims, according to the Insurance Information Institute. Hail damage to your property or vehicle is no small matter—a major hailstorm can result in serious damage to your car, requiring immediate attention and repair.

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Have you recently experienced auto hail damage? Don't delay in addressing it. Read on to discover the steps you should take to restore your vehicle after hail damage.

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Step 1: Document the Damage

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Most smartphones come equipped with cameras and video recording capabilities—use them to your advantage. Capture a video of the hailstorm that caused damage to your vehicle as undeniable evidence when filing an insurance claim. If you couldn’t capture the event in real time, take detailed photographs of all visible damage to your vehicle after the storm has passed. This documentation will be invaluable when dealing with an insurance adjuster.

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Step 2: Review Your Insurance Policy

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Before filing an insurance claim, check your auto insurance policy to understand your coverage. If you have a "full coverage" policy, it’s likely that hail damage is included.

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Be aware of "limited tort" policies, which may exclude natural disaster-related damages. If your policy does not cover hail, consider whether your homeowner's insurance could help cover the damage.

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Step 3: File an Insurance Claim

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Even if you’re unsure whether your policy covers hail damage, contact your insurance agent and file a claim. Your insurance may, for example, cover glass damage even if it doesn’t cover body repairs.

It is essential to take action after your auto suffers from hail damage. These are the proper steps to take after your vehicle is hurt in a hail storm.

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Take detailed notes during your discussions with your agent and confirm key points in writing via email to help resolve potential disputes later. At 48-Hour Auto Hail Repair, we simplify this process by fully covering your deductible for the first 200 customers after a storm with full-coverage insurance.

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Step 4: Get Multiple Repair Estimates

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Don’t rely solely on your insurance company’s estimate, which may undervalue the cost of repairs. Seek assessments from multiple repair shops to understand the true cost. A professional repair estimate can save time and frustration when negotiating with your insurance company.

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Step 5: Choose a Trusted Repair Shop

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While your insurance company may recommend preferred vendors, the choice is ultimately yours. Select a repair shop that will collaborate with your insurer to maximize your coverage. A good shop will advocate for you, ensuring your repairs are completed to the highest standard.

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Step 6: Begin the Repair Process

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Waiting for your insurance company to provide an estimate or cut a check can delay repairs unnecessarily. Start the process immediately by consulting with a repair shop.

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At 48-Hour Auto Hail Repair, you retain your vehicle throughout the insurance claim and repair preparation process. We only take possession of your car when it’s ready for immediate repair, minimizing inconvenience.

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48-Hour Auto Hail Repair: Your Trusted Solution

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Don’t let hail damage diminish your vehicle’s appearance or value. With 48-Hour Auto Hail Repair, your car will be fully restored in just two days, and we’ll handle all insurance-related hassles on your behalf.

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If you’ve experienced hail damage, don’t wait. Begin your journey to a restored vehicle by scheduling a free 1-Hour Custom Estimate.