Denver Hail Repair Insurance: Am I Covered?

Feb 24, 2020 | Auto Hail Damage Repair, Hail Damage Insurance, Hail Specialists, Paintless Dent Repair PDR

Insurance Filing for Denver Hail Repair

For residents in Denver considering hail repair as part of their insurance plan, it’s important to remember this. Being well prepared is always better than not.  The best form of preparation for hail damage is by insuring your automobile with comprehensive coverage.

According to the National Oceanic Atmospheric Administration, hail causes $1 billion in damage every year. Based on the Insurance Information Institute (III), in 2018 there were 4,610 major hailstorms that caused $810 million in damage.

State Farm had more than $2.7 billion in cost for total damage done by wind and hail. The state with the most wind and hail losses is Colorado. In Colorado alone, there were 332 number of hail events.

If you are living or working within Colorado, you may find yourself in need of auto hail repair. Without proper guidance, the process of fixing your car in Denver for hail repair can be difficult. In this article, we’ll discuss the insurance process with regards to hail damage.

Insurance Types

There are several types of car insurance coverage available on a car insurance policy. The following are common coverages seen on policies: liability coverage, comprehensive coverage, collision coverage, medical payments coverage, personal injury protection, etc. The most important coverage needed for filing a hail claim would be comprehensive coverage.

Comprehensive coverage covers repairs related to incidents that are not a collision, like claims in Denver for hail repair. This is also known as ‘other than collision’ coverage. It covers for damage from fire, vandalism or objects falling from the sky such as hail. The premium rates depend on the value of your car and what your insurance company covers for any damage repairs.

Unless you are covered with comprehensive coverage under your insurance policy, you cannot file for hail damage.

How Much Deductibles Do I Pay for Hail Repair?

Most car incidents causing a loss, such as hail damage, would incur a deductible per claim filed to your insurance company. Depending on your insurance policy, the deductible you have to cover will differ. Some insurance policies will offer policies with zero deductibles or a deductible waiver in Denver for hail repair. III states that in most instances, these policy premiums would often cost most more than policies with a higher deductible.

Sometimes, applying for policies with zero deductibles or a deductible waiver may not be possible because of high premiums. Therefore, we want to help ease your burden and worries about hail damage repairs and its deductibles. At Hail Specialists, we will pay your deductibles up to $1000. Granted, you must have comprehensive coverage.

Will Filing a Claim for Hail Damage Increase My Premium Rates?

This brings us to our next point. What will happen next after you’ve filed your claims and had your car repaired for hail damage?

The number one concern from most of our customers, as the heading states, is the concern of increased premium rates.

These days, most insurance companies are surcharging for comprehensive claims. Depending on the company, some may not charge you if you file less than three comprehensive claims in under three years. However, these higher premium rates are only applicable to claims outside of hail damage under the comprehensive coverage.

Therefore, in short, filing a claim in Denver for hail repair would not increase your premium rate. Hail is defined as an ‘Act of God’ in insurance policies. Acts of God are classified as events that happen naturally and cannot be avoided through preventative measures.

The only time premium rates for hail damage would increase is if your insurance company revises its comprehensive coverage rates. These revised rates would have to go through state approval. However, before getting state approval, your insurance company can still charge you the new premium rates despite its pending status. If the new rates are denied by the state, those that previously paid the proposed premium will receive a refund.

So What Now?

In short, if you have been in a hailstorm, it’s always better to have your car sent in for hail repair.

At Hail Specialists, we prioritize our customers first in terms of time and trust. We provide free services to file your hail repair insurance claim for you. We cover all of your deductibles up to $1000 too. And as a thank you for using our services, we fix door ding on areas that are easily accessible for free!

Therefore, if you have comprehensive coverage, there is no reason not to have your car sent to our Denver facilities for hail repair. With no increased premium rates OR additional deductibles, there is no extra cost to fix your car for hail damage.

For all Denver residents in need of hail repair, Hail Specialists is here for you.

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Our mission is to provide a $0 out of pocket cost for our customers while maintaining the same level of quality repair & service! There is a reason our customers continue to return to Hail Specialists year after year.

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