Do You Recognize the 4 Signs of Minor Hail Damaged Car?

Hailstorms often strike in the spring and summer in Colorado. Sometimes, it seems harmless, and sometimes it wreaks havoc on your car hood, roof, and other panels.

Jump to:

-> Can Pea-Sized Hail Damage a Car?

-> Minor Hail Damage Repair Cost

-> Filing Auto Hail Damage Claim for Minor Dents

-> Should You Fix Minor Auto Hail Damage?

-> Fixing Minor Hail Damage on a Car

-> Buying a Car with Minor Hail Damage

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Can Pea-Sized Hail Damage A Car?

Your car’s value decreases the moment you drive it out of the dealership, but its value plummets further and faster if it gets damaged—yes, even by a quick hail storm.

Those seemingly small and few dents on your car’s surface can be deceptive simply because they can rack up quite a repair cost. Leaving unfixed, this can even devalue your car by more than $10,000!

While the rate of devaluation ultimately depends on how much hail damage car repair specialists identify, the following are also considered:

  • Car mileage – your car’s age
  • Your car’s overall condition
  • Additional car features

You can learn more about how much a car’s value is affected by hail damage by checking out this article.

How Much Does It Cost To Get Minor Hail Damage Repaired On A Car?

For non-car-enthusiasts, it may be easy to overlook cosmetic damage that doesn’t involve a smashed window or chipped paint. But as mentioned above, hail damage may appear minor and can cost thousands of dollars.

Here is an example of a minor hail-damaged vehicle we recently repaired.

https://youtu.be/RnAKqDE1li4

As you may have noticed in the first video, the dents are hard to spot until we flashed a light at the hood.

If you had to guess how much that hail damage repair cost, what would you say?

A thousand dollars? Two thousand, maybe?

It was over $9k to fix this Yukon.

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The good news is that client paid $0 out of pocket – StormWise covered the $500 deductible and the insurance paid for the rest. Continue reading to find out how to make this work for you.

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If you have a hail damaged car, but don’t have comprehensive insurance, you can still have your car repaired – just be prepared for it to be an expensive bill. Hail damage repair can run into the tens of thousands of dollars if the damage is significant.

To learn more about how hail damage is assessed on a car, read these articles below:

File A Hail Damage Claim For Minor Dents On Car?

When there is hail damage on a car, a lot of customers rush to contact their insurance company. This might seem like the most logical thing to do, but it may result in a smaller check they pay you. 

Let’s face it: insurance adjusters are not usually experienced with hail damage assessment, especially if your damage is light as in the example above.

If you have comprehensive insurance, you should get an estimate from a specialized hail repair shop ASAP.

We encourage our customers to contact us to get the claim process started. Since COVID happened, most insurance companies have been asking customers to send photos for insurance inspection. This adds yet another layer of challenge to get you the right amount of money to fix everything because it is extremely difficult to show the extent of the damage in photos.

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As a result, many customers were misinformed that their hail damage would be less than their deductible cost.

In fact, their hail damage is a lot more than what it shows in photos.

If this happens to you, give us a call today. We can look into filing a supplement claim with your insurance to cover the damage they missed in the initial assessment.

If you don’t know whether your damage is covered by insurance, check the different types of car insurance we compiled and find out.

Should I Fix Minor Hail Damage To Car

YESas soon as you can.

Hailstorms are seasonal in Colorado, and summer is often the peak season for hail damage.

As a Denver native, you know that auto body shops will get backed up for months after a hailstorm! Not only will they have a waiting list, but the repair times will extend extensively.

Sometimes, your car wouldn’t be able to bear the extended wait time if you have smashed windows or tail-lights.

Even if you could afford the waiting, undeclared damage can cause big issues if you’re involved in a car accident and try to make a claim.

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The difference with StormWise is that 99% of the time, we can fix auto hail dent within two weeks* from the drop-off date, and we rarely operate on a waiting list for hail repair services.

How To Fix Minor Hail Damage On A Car (PDR)

There are 4 types of hail damage car owners can spot immediately:

  • Cracked glass, lights, and mirrors
  • Dents
  • Misaligned or missing mirrors
  • Paint damage

Fixing these involves a relatively short timeframe compared to significant damage from serious car accidents and collisions. However, just because they’re “easier” to fix, doesn’t mean they shouldn’t be repaired by a professional.

You might have been trying to explore various ways to fix your hail-damaged car yourself—probably because you think the damage is too minor for a professional-level fix. However, you might end up with a more expensive set of repairs if you’re not careful.

The ideal process of hail damage car repair should be:

#1 File a claim

#2 Go to a hail repair specialist

#3 Bring your car to StormWise

Definitely—and we’re not saying this lightly—DON’T DIY your car’s repair no matter how seemingly minor the damage may be. Taking it to the pros ensures it’s restored to its pre-hailstorm state. You’ll likely even save more money by doing this compared to taking on the challenge yourself.

Buying a Car with Minor Hail Damage

Buying a hail-damaged car also bears tons of risk as the car value could be significantly lower than expected.

However, it could be a good deal for a low-budget purchase if the damage doesn’t affect the car’s functionality (and if you don’t care about the look).

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Here are a few tips we have for buying a car with hail damage:

  1. For one thing, make sure to see the car in person before bidding, as pictures are never enough to provide you with the info about the full scope of the damage.
  2. More importantly, check to see if you can insure the hail-damaged vehicle. Depending on the damage, you may find it difficult to get insurance or fair pricing for insurance. Sometimes, insurers don’t allow you to take out coverage on a car if there is existing damage.
    • If your insurance company agrees to provide a policy with pre-existing damage, be careful how much your insurer assesses prior damage.
  3. Give us a call and find out what it takes to fix the damage if desired. We can help answer other questions you have regarding the hail damage and insurance challenges too.
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image of an adjuster inspecting hail damage on a car.

How Long to Claim Hail Damage on Car: Tips for a Faster Insurance Claim Process

Hailstorms can strike unexpectedly, causing significant damage to vehicles and leading to costly repairs and complex insurance claims. According to the Insurance Information Institute, hail causes billions of dollars in damage annually. That’s why navigating the insurance claim process efficiently is crucial for every car owner.  This guide provides essential tips and insights to expedite your claim, ensuring quicker repairs and financial relief. By following proven strategies and timely actions, you can streamline your insurance claim process, minimizing stress and inconvenience. Jump Here: How Long to Claim Hail Damage on Car #1 Document Damage Immediately #2 Review Your Insurance Policy #3 Contact Your Insurance Company #4 Get Repair Estimates #5 Meet the Adjuster #6 Finalize the Claim Frequently Asked Questions   How Long to Claim Hail Damage on Car Insurance companies usually require you to file hail damage claims within 30 days to a year, depending on the insurer and policy. To avoid complications and ensure you meet all deadlines, file your claim as soon as possible. If your car has been damaged by hail, you obviously want to have it fixed quickly. Coordinating with insurance companies could be a little complicated, so you should file your claim immediately.  Prompt filing helps prevent the insurer from questioning the cause of the damage. Delays can lead to doubts about when and how the damage occurred, which can complicate the claim process.  To your advantage, timely action can prevent the claim from being denied due to late reporting. This ensures a smoother and more straightforward claim process, allowing you to get your car repaired without unnecessary delays.   6 Tips for a Faster Insurance Claim Process #1 Document Damage Immediately As soon as it’s safe, use a camera or smartphone to capture clear, detailed photos and videos of all hail damage from multiple angles to ensure no damage is overlooked. Proper documentation is crucial for supporting your insurance claim. It provides clear evidence of the damage, prevents disputes with your insurer, and can streamline the claims process, increasing the likelihood of a favorable outcome. #2 Review Your Insurance Policy Before filing a claim for hail damage, review your car insurance policy to understand covered damages and your deductible. Knowing what your policy covers and your financial responsibilities helps streamline the claims process and prevents surprises. Contact your auto insurance agent for any clarifications needed to proceed confidently with your claim. #3 Contact Your Insurance Company After experiencing hail damage, promptly call your insurance company to report it. Provide comprehensive details, including the date when the hailstorm occurred and a thorough description of the damage sustained.  Following the insurer’s instructions, submit any necessary photos and documentation to support your claim. Ensure all required information is promptly communicated and documented. #4 Get Repair Estimates To ensure you make informed decisions, get multiple quotes from licensed repair shops or contractors. Each quote should provide a detailed breakdown of repair costs to help you compare prices and understand the expenses involved.  Additionally, take immediate steps to prevent further damage, such as covering broken windows temporarily. These actions protect your property and simplify the insurance claims process. #5 Meet the Adjuster To initiate the insurance claims process for hail damage, start by scheduling an appointment with the insurance adjuster to conduct a thorough inspection of the damage. It’s essential to be present during the assessment to accurately point out all areas affected. Provide complete documentation, including photos, videos, and detailed repair estimates, to support your claim. #6 Finalize the Claim When you get a settlement offer for hail damage, review it carefully. Examine the details to ensure that the offer includes coverage for all necessary repairs and aligns with the estimates you’ve gathered from repair shops or contractors.  If you find discrepancies or believe the offer is insufficient, be prepared to negotiate with your insurer. Seeking assistance from a professional, such as a public adjuster or legal advisor, can also be beneficial in navigating the negotiation process and securing a fair settlement. Conclusion Understanding the timelines and requirements for claiming hail damage on your car is crucial for expediting the insurance claim process. By following the tips that were discussed, your insurance claim experience might be a little bit better. But here’s another insider tip: there are auto repair shops out there that offer insurance claim assistance, such as StormWise Auto Hail Repair and Collision Repair. Our team handles everything from paperwork to processing, ensuring a hassle-free experience for you while your car is being restored. Contact us today so we can guide you through the process. Frequently Asked Questions What if I need temporary repairs before the adjuster’s inspection? If you need to make temporary repairs to prevent further damage, document everything thoroughly with photos and keep all receipts. Your insurance company should reimburse you for these temporary fixes, but it’s essential to have proof. Can I negotiate the repair cost with the adjuster? Yes, you can negotiate the repair cost with the adjuster. Provide estimates from reputable repair shops and any supporting documentation to justify the costs. What happens if another hail storm damages my vehicle before repairs can be made? If another hail storm damages your vehicle before repairs are made, document the new damage separately. Inform your insurance provider immediately and provide evidence to differentiate between the two incidents. What happens if my hail damage claim is denied? If your hail damage claim is denied, review the denial letter for the reasons. You can appeal the decision, provide additional evidence, or seek assistance from a professional, such as a public adjuster. Does my insurance company cover sales tax on a totaled car due to hail? Insurance policies vary, but many companies do cover sales tax on a totaled car. Review your policy or contact your insurance agent to confirm whether sales tax is included in your coverage.

technician actively working on a car with hail damage

How Big Does Hail Have to Be to Damage Your Car: Does Size Matter?

Hailstorms can be unpredictable and devastating, especially when it comes to your car. It can cause damage that ranges from minor cosmetic issues to severe structural problems.  Understanding how hail size correlates with the severity of damage can help you prepare and protect your vehicle. In this blog, we’ll explore how different hail sizes impact your car and what steps you should take if your car suffered hail damage. Jump Here: Pea-sized (0.25 inches) Marble-sized (0.5 inches) Quarter-sized (1 inch) Golf ball-sized (1.75 inches) Baseball-sized (2.75 inches) & Larger hail (3+ inches) What to Do After Hail Damage Pea-sized (0.25 inches) Pea-sized hail is small, but it can still cause minor cosmetic damage under certain conditions. While it might not pose a severe threat to the overall structure of your car, softer parts like plastic trim can be affected. Here’s what to watch out for: Discoloration: The impact of pea-sized hailstones can lead to slight discoloration on the car’s surface. Slight Dings: In some cases, you might notice minor dings or indentations, particularly on the softer plastic areas of your vehicle. Marble-sized (0.5 inches) When hail reaches the size of marbles, it has the potential to cause minor dents and dings. These dents are usually shallow and may not break the paint but can affect your car’s aesthetic appeal. Minor Dents and Dings: Aluminum body panels, such as hoods and trunks, are particularly susceptible. You may find shallow indentations that affect the appearance but are unlikely to break the paint. Quarter-sized (1 inch) Hailstones of this size can cause more substantial harm to your vehicle and often require professional repairs Dents in Softer Metals: Softer metal areas can get dented more easily. Cracked Windshields: The force of quarter-sized hail can crack windshields, especially if struck at an angle. Golf ball-sized (1.75 inches) Golf ball-sized hailstones can cause significant damage to multiple parts of your vehicle. The impact is more pronounced and requires immediate attention. Significant Dents: Roofs, hoods, and trunks can suffer major dents. Shattered Windshields: Windshields are almost certainly shattered, and cracks can spread easily. Baseball-sized (2.75 inches) & Larger hail (3+ inches) When hailstones reach the size of baseballs or larger, the damage is often catastrophic. The severity of the damage often makes repairs impractical, leading to the possibility of totaling the car. Common damage include: Major Dents: The entire vehicle body, including the roof, hoods, and trunks, can be severely dented. Shattered Windshields and Windows: Windshields and windows are likely to shatter completely. Damaged Tires and Caved-in Roofs: The impact can even damage tires and cave in roofs, making body repairs impractical due to the extent of the damage. Total Vehicle Loss: In extreme cases, severe hail damage may result in the vehicle being considered a total loss by insurance companies. What to Do After Hail Damage Experiencing hail damage can be extremely stressful, but taking the right steps immediately after the incident can help mitigate further damage and ease the repair process. Here are a few tips on what to do after your car has been damaged by hail: Document the Damage: Take photos from various angles to capture the extent of the damage. This documentation will be essential when filing insurance claims and getting repair estimates. Contact Your Insurance: Notify your insurance company immediately. Provide them with the documentation you have collected and follow their instructions for filing a claim. Get Repair Estimates: Obtain estimates from reputable auto body shops to understand the repair costs and process. Make sure to get multiple quotes to ensure you are getting a fair price. Choose a Reputable Repair Service: Consider professionals like StormWise who specialize in hail damage repairs to ensure quality service. Look for reviews and ask for recommendations to find a trusted provider. Conclusion Knowing the correlation between hail size and damage severity helps you take timely and appropriate measures to protect your vehicle. From minor cosmetic issues with pea-sized hail to catastrophic damage from baseball-sized hail, being aware of the potential impact is essential. If hail damage occurs, promptly documenting the damage and contacting your insurance can help ensure your vehicle gets the necessary repairs. If your car has suffered hail damage, contact StormWise Auto Hail Repair and Collision Repair for professional repair services. Our expert team can restore your hail-damaged vehicle to its pre-damage condition, regardless of the severity of the hail impact. Stay prepared, stay protected, and remember that size does matter when it comes to hail and your car.

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