What you need to know if your car has been damaged by hail
Statistically speaking, if you live in a hailstorm prone area like Denver, Colorado chances are that sooner or later your vehicle will be damaged by hail. That said, the optimal solution would be adopting a positive mindset “hoping for the best but preparing for the worst”. In this particular case ”worst” means preparing for hail damage.
The objective of this article is guiding you step by step through the process of what to do f your car is damaged by hail.
Evaluate Hail Damage Extent
Hail damage is completely unpredictable. It can range from a few minor dents to a totaled vehicle. The first thing to do is evaluating the extent of the damage. Below is a checklist with the main aspects you should verify:
- Has your windshield been cracked or severely damaged?
- Have side mirrors, windows, or rear windshield glass been damaged?
- Are the headlights or tail lights damaged?
- Is the hood, roof, or trunk critically damaged?
Having a clear idea of the reach of hail damage is crucial to help you decide what is the best course of action. It’s an unpleasant but necessary step to speed things up. Try to be as objective as possible, do not focus on the problem, keep your mind on the solution.
Safety Always Comes First
Once you finish evaluating hail damage extent you will have to make some decisions. The most important one is determining if the vehicle can be driven safely. Aside from legal considerations, like a fine for driving with a broken tail light, what matters the most is your safety as well as the safety of the rest of motorists.
A broken windshield, for example, should be enough reason for not driving your car. If the damage to the panels, the hood or the roof is considerable, it may also be a good idea not driving to prevent further damage to the car body.
In the end, you know your vehicle better than anyone else. The decision is up to you.
Contact Your Insurance Company
Hail insurances differ a lot from one company to another. However, generally speaking, if your car insurance policy is listed as “liability only” then it won’t cover you from hail damage. On the other hand, insurance policies offering “comprehensive coverage on the vehicle” will allow you to fill a hail damage claim.
Regardless of the case, it’s our advise to contact your insurance company as soon as possible. Depending on the insurance conditions, you might have to wait until an approved specialist check the damage on your vehicle.
Another good reason to contact your insurance company has to do with deductibles. Once again, depending on your contract you may or may not have to pay a deductible for hail damage repairs.
Is It Worth Repairing The Vehicle?
This question is closely related to the previous two points. What is the condition of your car? What is the extent of damage caused by hail? Do you have comprehensive or liability only coverage?
As said at the beginning of the article, hail damage is unpredictable. Let’s imagine the best-case scenario, your car only suffered minor dents almost imperceptible at sight. In that case, even if you have to pay out of pocket instead of filing an insurance claim it would be a good deal repairing the car.
Unless the vehicle had taken serious damage, repairing it is usually the best course of action. Keeping dents, dings, and scratches will only decrease the reselling value of your vehicle in the long run.
Hail Damage and Paintless Dent Repair
Since in most cases you will end up repairing hail damage, a final decision to make is what method would you prefer, conventional Bodyshop repair or paintless dent repair.
If your vehicle has comprehensive insurance chances are that you won’t even have to decide on this matter. Paintless dent repair (PDR) methods are preferred among insurance companies for many reasons:
- Paintless dent removal preserves the factory finish
- PDR is environmentally friendly
- Paintless dent repair has faster turnaround times
- PDR is cost-effective
At Dent Kore, we have over 44 years of experience (between our 2 owners) dealing with vehicles damaged by hail. Our Vale registered certified technicians use cutting-edge paintless dent removal tools and equipment to ensure your vehicle will be restored to a “like new” condition. Best of all, we work with all major insurance companies and provide insurance deductible assistance if necessary.
Looking for a paintless dent repair shop near you?
If you live in Denver, Colorado Dent Kore is hands down your best solution. We are also proud to be apart of the AAA discount and rewards program.
Suffering the consequences of hail damage is not pleasant, however, by following the steps explained in this article you can save time and money during the process:
- Evaluate hail damage extent
- Decide if the vehicle is safe to drive
- Contact your insurance company
- Choose a reputable auto repair shop with proven experience dealing with hail damage