Tips About Hail Damage & Repair

If your car ever gets damaged by hail what can you do? If you've ever had your car damaged by a hail you'll know how frustrating it can be and just how expensive it can also be to fix. It's not a good experience at all.

The best thing to do is make sure your insurance covers hail damage in the unlikely event it happens to you. This can offset the frustrating and expense. You also need to know how to properly utilize your insurance coverage if your car gets hail damage.

So, if you wind-up with a vehicle that's been damaged by hail the first thing you should do is call your insurance company and file a claim. Make sure you write your claim number down and it is always a good idea to ask the name of everyone you talk to and adjuster being assigned to your claim.

The next step is the initial inspection or the "estimate." Some insurance companies will ask you to go out get three estimates to send to them. If your insurance company asks you to jump through these hoops just politely say NO. Ask where you need to go to have "them," write "their," estimate.

That's it, do not waste your time driving around getting multiple estimates because in the end your insurance company is just going to use those estimates as a starting point and write their own anyway. An estimate means just that. It is an estimate of how much money and what the insurance company thinks it will take to repair your car.

Side point: It's a good idea to take the time and wash and clean your car before having it inspected. Why? Because you won't get paid for dents the appraiser can't see.

Some insurance companies send an appraiser out right away while other companies can take several days. The next issue is "deductibles." You have a contract with your insurance company that you will pay the first $500, $1000, or whatever your deductible is, towards the repair of your vehicle.

This money is ALWAYS deducted out of the check your insurance company gives you and they leave it up to you to pay it or find a company that will fix it for less.

Hail damage & what to do

Keep in mind any company that repairs your vehicle without requiring you to pay a deductible is giving you a "discount." This is completely legal and in fact most PDR companies will not require you to pay your deductible.

Make sure you ALWAYS get any promises made to you in writing. It's also a good idea to get an estimated length of repair time. Once you find your repair shop it is important that you know where the shop is and meet the owner or manager. It is also a good idea to ask for references.

Better business bureau

Even if a company is not a member the BBB will still field complaints and keep files on companies that receive complaints. Also check with your insurer. The will have files on companies that have had complaints or are suspected of fraudulent activities. In conclusion, with a bit of research and due diligence the average person can navigate the claims process and find a great shop to repair their car for little or no money out of pocket. You can find other helpful advice and information regarding follow these maintenance guidelines.