Blog > Category: Paintless Dent Repair

Category: Paintless Dent Repair Blog

We’re here to help you learn how to get the best auto hail damage repair.
Because let’s face it, we can’t live without our cars (not easily at least).

PDR Pricing Calculation

What Is the Cost of PDR For Hail Damage? An In-Depth Look Into the PDR Pricing Matrix

Colorado had 120 days with severe hail in 2019. If your car suffered hail damage, you want to know how much the repair will cost. Paintless dent repair (PDR) is the industry standard method of fixing hail dents.  It is faster and more affordable than traditional dent repair. And it’s non-intrusive and keeps your factory paint warranty valid. How does the repair shop decide what they’ll charge? How does your insurance company determine what they’ll pay? Find out more about the process of making a hail damage repair estimate. Learn how the PDR pricing matrix works and how it affects what you’ll pay to repair your car. What Goes Into a Hail Damage Repair Estimate? Several factors go into an estimate for auto hail damage repair. One important factor is the paintless dent repair (PDR) itself. The first part of the PDR cost reflects the time and labor for a PDR technician to fix the dents. The second component is the cost to remove and install (R&I). This part of the estimate includes the labor cost to remove and reinstall parts on the vehicle. This gives the technician access to do the PDR. If hail damages parts on the car like the windshield that will need replacement, your estimate will have a part replacement cost. If the hail damaged the paint, the estimate will include the cost of traditional bodywork in addition to the PDR. These costs include time for the body and the paint. They also include the price of paint and other materials. Finally, your estimate will include any sales tax. Estimating the Cost of Your Paintless Dent Repair To estimate the cost of your paintless dent repair, the insurance adjuster and the PDR technician will use a PDR cost matrix. The cost matrix or pricing matrix is a chart that helps to determine the cost of repairs based on how many dents are on each vehicle panel and how large the dents are. Insurance companies approve a version of the PDR pricing matrix for their adjusters to use. If the repair shop uses the same matrix as the insurance company, your insurance is more likely to approve your full claim. How Does the PDR Pricing Matrix Work? The PDR cost matrix is straightforward. In a few steps, it will give you a basic estimate for the paintless dent repair. Format of the Cost Matrix The PDR cost matrix lists all of the panels on the vehicle in a column on the left side. Most versions of the pricing matrix start with the hood and roof and then move through the other panels like roof rails, left front and rear doors, left and right fenders, etc. Across the top of the chart are categories of severity based on how many dents there are on a panel. For example, light damage might be between 6 and 15 dents and moderate damage from 16 to 30 dents per panel. Within each category are columns for the size of the dents. The size categories are dime, nickel, quarter, and half dollar. Based on the number of dents and their average size, the pricing matrix gives a dollar amount per panel. For example, a left rear door panel with moderate (16 to 30 dents), nickel-sized damage might cost $200. If the same number of dents were quarter-sized, the estimate increases to $225. The pricing matrix also has a column to add R&I if necessary. Insurance companies use “book time” to determine how much they’ll pay for R&I. Our PDR technician also uses book time for the estimate, so that your insurance will cover the full cost. Adding Markup Costs Some types of vehicles or types of damage require a price markup. The additional cost is because they are more difficult to repair. For example, if a panel is made of aluminum or high-strength steel, the markup is 25%. Here are a few popular upcharges: Oversized Dent Any dents bigger than half-dollar size is considered an oversized dent, and costs $40 extra, per dent. Aluminum and High-Strength Steel (HSS) If a panel is made of aluminum or high-strength steel, it will require extra work to smooth out the dents, therefore require more cost – 25% extra. For example, 15 quarter-size dents on the hood normally cost $175. But if the hood is aluminum, it will cost $175 x (1+25%) = $218.75 Glue Pull If the PDR process requires the glue-pull technique, to apply specific hot glue to a tab that is on to the damaged area and then pull the glue tab to lift dents, it requires 25% extra cost. Other reasons for markups include: Double metal, which applies to the roof rails Extended or tall roof, like an SUV, van, or extended cab truck etc. Combining the initial estimate from the PDR pricing matrix with any R&I charges and additional markups gives the total estimate. PDR Cost Matrix Calculator Digital PDR cost matrix charts are increasingly popular. If you are looking for a rough PDR estimate, try the StormWise Hail Repair Cost Estimator. Other Components of Your Hail Damage Repair Estimate In addition to the cost per panel that the PDR pricing matrix gives, several other factors affect the total amount of the estimate. The cost of replacement parts, charges for repairing paint damage, and sales tax can also factor into the price. Part Replacement If the hail damaged parts of your vehicle that will need replacement, the part replacement cost will be part of your estimate. Parts that often need a replacement include the headlights and taillights, windshield, and moldings under the windows. The parts cost is the retail price for whatever parts the PDR shop has to buy. Paint Damage Repair If the hail damaged your vehicle’s paint, you’ll need conventional repair after the paintless dent repair. PDR removes the dents as much as possible. Then a body tech fills and sands the panel. Finally, a painter repaints the panel. Book time determines the body time and refinish time. Book time also

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Apply heat to fix car dent

Compressed Air and Dry Ice Dent Removal Myth

Should I try to pop my car dent with dry ice or compressed air? That is a question we get often. Different voices on the internet can point you in various directions, making it hard for someone who doesn’t have any experience and just wants answers quickly. Before you start trying out any of those techniques yourself as an alternative solution, know that we will provide answers about the myths associated with auto dent removal here!  We’ll give concise responses with all necessary information for an informed decision-making process so please keep reading on… The old way of repairing a car dent is expensive and time-consuming. It involves grinding down the surface, repainting it all smooth again with paint that’s not too thin or thick so as to risk leaving any marks behind; then you’ve got sanding followed by hours worth on top quality primer/base coat before finally getting back into your vehicle one last round for good measure – this process can take up weeks depending and costing tens of thousands of dollars. So car owners dread the repair and often search online for cheaper alternatives. There are numerous dent repair DIY tips from YouTube and blogs. The most popular ones are the compressed air dent removal and dry ice dent removal methods. But do they actually work? Hair dryer and compressed air dent removal – It Does Not Work. This is one of the most popular DIY methods of dent removal. You’ll find numerous videos and blogs that test this method or provide detailed description. Myth – How does hair dryer and compressed air dent removal work? Heat up the surrounding area of the dent using a hair dryer gently and slowly to avoid damaging the paint. One it’s hot enough, apply cold compressed air (or a high-risk alternative: dry ice) to cool down the center of the dent quickly to cause the metal to pop back to its original shape. Does it work? No, not even for tiny dents. You could patiently watch this popular YouTube video, in which Donnie tested multiple dents of various sizes, and find out after 15 minutes, none of his dents were fixed. Or you can take our word for it. Maybe you’d think the cold compressed air wasn’t cold enough and are tempted to try dry ice next. Dry Ice Dent Removal – It Does Not Work. Myth – How does dry ice take dents out of a car? The theory is that dry ice will cause the temperature of your vehicle’s bodywork to drop sharply, which in turn will help the dings to even out. Does it work? Dry ice dent removal is a popular topic on Google with more than 4.4 million results. So it must be true, right? Unfortunately no… Even if you pair the dry ice with the hair dryer method, the answer is still “No, it just doesn’t work.”  Some people believe this used to be an old-school method when cars were made of thick metals, requiring a speedy and extremely hot and cold cycle. And many of them try and then end up at our shop because it caused more damage. So why doesn’t it work? First of all, you have to heat up the metal significantly, and your hair dryer can’t produce that much heat. If it can, you may want to discard it because that wouldn’t do any good to your hair. When you apply that much heat professionally, you worsen the damage on your car, leading to more types of damage that would require repainting and spending more money. We haven’t seen any shop use this method for many years because, in addition to paint damage, the metals in modern cars will be weakened under immense heat. Also, dry ice is incredibly dangerous and cold enough to burn the skin in a similar fashion to frostbite. If you accidentally eat, swallow, or inhale dry ice, call 911 right away. Park In The Sun – It Doesn’t Work. The sun offers a lot of benefits, but it doesn’t pop out dents. This is another myth based on temperature changes.  Various articles on the internet claim that should you expose your car to the blazing hot rays of the sun for a considerable amount of time, its metalwork will expand. In turn, the dings and dents caused by the hailstorm will naturally begin to pop out. How we wish it’s this simple! At least this one doesn’t deal with harmful substances. So feel free to try it out, but don’t be disappointed when it doesn’t work. Make Use Of A Dent Repair Kit – It may or may not work. If leaving your car to bathe in the sun doesn’t seem to work, your internet search for DIY dent repair will likely lead you to a dent repair kit. The clue is in the name — this is a specialist type of equipment used to remove dents and dings from the bodywork of vehicles.  These kits are easily accessible and can be found in most auto supply stores. Better still, they’re incredibly affordable. As a result, it has led many car owners to believe that the paintless dent repair is easy and can be done by an amateur. It is doable, but do you have the skills? And should your car be your guinea pig? A DIY set technically works. However, we strongly advise you let the professionals fix your car’s dings and dents. Using these tools requires skills and practice.  DIY dent removal kits often come with a glue gun, a heat gun, various pulling tools, etc.. If not careful, you could further burn or crack the metal—and end up spending much more money fixing it. In addition, depending on the dent locations, you often need to remove the damaged panel before you could work on the dents. Provided you can find tons of resources teaching you how to remove and refit panels of your car, be sure to watch those videos

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PDR demo

Paintless Dent Removal Problems and Benefits

While only a number of vehicles will get damaged by hailstorms, most vehicles will experience small dents from time to time. Whether it’s from a shopping car or an accident, dents happen. Thankfully there’re solutions to fix dents. Today, the best method to fix dents is called paintless dent repair (PDR). Many consumers may not realize that the paintless dent repair technique has been available for nearly 60 years. However, this technology hasn’t always been considered a mainstream solution for car panel repair, until the insurance industry identifies it as the best and cheapest solution for hail damage.  What is paintless dent repair? Paintless dent repair is a modern technique to fix vehicle dents without paint or body filler. As long as the surrounding paint is intact, PDR can fix most dents on a panel. This technique relies on metal memory: metals tend to bend back to its original shape. It’s like this: when we squeeze a beer can, it leaves a dent. If the dent is small and doesn’t tear the beer wrap, you may be able to manipulate the can and squeeze out the dent. Similarly, the PDR process uses special tools such as picks and hammers to put pressure on the dents slowly until they come back to normal placement. This may sound simple, but is quite difficult and takes a lot of practice to properly massage out a dent – definitely not a simple DIY method for most people to try at home. Paintless dent repair problems As PDR relies on metal memory to work, it has its limitations on what it can fix and what it cannot, which is the only paintless dent repair problem. 1. Dent size and depth limit When a dent is too large, it sometimes stretches the metal and causes the paint to crack. PDR cannot fix those cases. If a dent has a sharp edge or creasing, it may cause the metal to tear. While PDR can fix mild creasing, it cannot help when metal tears. 2. Material limit Materials that can’t be bent back won’t be fixed by PDR, such as plastic bumpers and carbon fiber hoods. When those parts are damaged, we usually have to replace them. Aluminum panels are challenging. If you have dents on an aluminum panel, give us a call to determine whether PDR can fix it. Paintless Dent Repair Benefits The benefits of paintless dent repair easily outweigh its one problem. 1. No harm to your car PDR is known as the least invasive method of repairing dents. Because it doesn’t involve sanding, filling, or painting, it doesn’t harm your car and keeps the original paint on your vehicle.  2. Save money Comparing to the traditional dent repair method that involves multiple steps of painting and bodywork, paintless dent repair can save as much as 75% of the conventional body shop method. 3. Save time Painting is a very time-consuming process. When you repair hail damage using the traditional method, you will need somewhere between two to five coats of paint for a nice color blend and three clear coats for a perfect finish and protection. That process can take a few weeks to months. At StormWise, 99% of the time, we repair full-car hail damage within 2 weeks, even during the peak season. For small and minor dents, customers can usually take their car back the same day. 4. No harm to our environment Paints and other chemicals body shops use can be very toxic and hazardous to our environment. Without invasive tools and materials, paintless dent repair is known to be the cleanest method to remove dents.  The PDR Process 1. Locating all the dents Believe it or not, this is one of the most difficult parts of PDR. If a vehicle was hit in a hailstorm, it might have hundreds of various dents all over the car. Some are easier to see than others. This year, most insurance companies require customers to take pictures for a hail claim due to safety concerns. If you’ve recently don’t that, you’d know it is challenging to show all the dents in photos. Check out our tips for taking pictures for insurance claims for hail damage. The best way to see all the dents is to use long spotlights to highlight the car panel, and then use an auto-safe washable marker to circle all the dents. 2. Access the back panel (the R&I on your estimate) PDR requires the technicians to be able to access the dent from the backside of the damaged metal. For example, if there’re hail dents on the roof of a car, technicians may be able to push the dents from inside the vehicle without taking down the headliner. The following items often need to be removed to allow access for PDR: Areas of vehicle paneling with ribbon sealer Doors Panels (quarter panel, cowl panel, etc.) Hood and hood clips Fender Roof rail and extended roof Etc. Because R & I (remove and install) is a common practice in PDR, all our technicians at StormWise have to pass the test to remove and reinstall parts and panels to ensure the service quality. 3. Massage the dents out Now comes the hard work of actually fixing the dents. Depending on the complex level of the dents, technicians may need to use various techniques. The most common two are pushing and blending. The pushing method is the most common one, as it provides good control and prevision after practice. It is best for sharp dents, or to finish massaging a large dent. The blending technique uses a special hammer to create vibration to cause the metal to move back to its pre-dent form. It works great on small dents. It is not uncommon to have to blend 100+ dents on just a single panel when a vehicle is damaged in hailstorms. 4. Putting back the removed panels and parts If there is no need for other repair or part replacement, the next step is

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happy customer after auto hail repair

How to Choose an Auto Hail Repair Company?

Colorado ranked second in the US for the number of hail loss claims in 2019. Living in Colorado means it’s very likely that your car will have hail damage at some point. When you need hail repair for your vehicle, you want to be sure you’re using the best repair company. Here are some important factors to consider helping you find a company that meets your needs. How They Treat You and Your Car The first thing to consider is the quality of service you’ll get from an auto hail repair company. Do they really care about you and your car? You rely on your vehicle, and you need it repaired quickly to the highest possible standard. Look for an auto hail repair shop that listens to you. They should treat you and your car with respect.  Paintless Dent Repair Does the hail repair shop offer paintless dent repair (PDR)? For most hail damage, PDR is your best option. What Is Paintless Dent Repair? PDR will repair hail damage as well as other dings and dents. PDR will work as long as your vehicle’s paint didn’t chip or crack. Modern automotive paint is extremely hard and resilient, and it remains intact through the impact of most hail. A PDR technician will first determine the extent of the hail damage. The technician then accesses the back side of the dent by getting behind the body panel. Finally, the technician uses special tools to carefully work the metal back to its original shape. Advantages of Paintless Dent Repair PDR has several advantages over traditional body shop repairs for hail damage. 1. Speed of the repair PDR is faster than a repair from a body shop. Your car could be repaired in as little as a few hours depending on the extent of the hail damage. 2. Less expensive PDR takes less time, less materials, and less labor than a body shop repair. You will pay less for PDR. 3. Preserves your vehicle’s resale value A body shop has to replace entire panels of your car. If anything in the repair doesn’t exactly match the rest of the vehicle, you lose resale and trade-in value. PDR restores the original appearance of the car without replacing panels or repainting. Maintaining your factory finish helps protect your car. You will also keep the manufacturer’s paint warranty. Body shop repairs can show up on a Carfax report. PDR is a less invasive repair and doesn’t leave a record on Carfax. A clear Carfax report reassures potential buyers when you sell your car. 4. Better for the environment PDR doesn’t use harmful chemicals or solvents like paint and paint thinner. It’s better for the technicians’ health, and it releases less toxins into the environment. Paintless dent repair is usually the best and least-expensive way to fix hail damage. Look for a hail repair company with expertise in this technique. Repair Experience Choose a well-established automotive hail repair company with experienced technicians. It’s no secret that a company with a proven track record is more likely to give you the level of service you’re looking for. Performing a quality PDR repair requires skill and experience. During storm season, some dent repair shops hire less experienced technicians just to handle the demand. Even worse are the storm chasers who come into town after a storm to make a quick profit and leave. These types of businesses can leave you disappointed. Here are some questions to ask when you’re looking for an automotive hail repair company: How many years of experience do the technicians have? – StormWise has been repairing auto hail damage for more than 25 years. What are their quality check process? – We have a multi-point Quality Check inspection to ensure that nothing is missed and the car looks amazing when you pick it up. How do they stay up-to-date with the latest repair methods? – Our paintless dent repair (PDR) technicians go through a rigorous audition process prior to onboarding with StormWise. This is how we guarantee you’re leaving your car in good hands. Quality of Work A good hail repair company will stand behind their work with a warranty. Anything less than a lifetime warranty should make you think twice. If a dent is repaired properly with PDR, it won’t ever come back. In addition to a comprehensive warranty, look for a company with a documented quality check procedure. You want to be sure that nothing is overlooked. Your car should be as good as new when the repairs are finished. Quality of Service A reputable auto hail repair shop will make the repair process easy and convenient. Here are some services to look for in a top-notch company: Can come to you for the inspection and estimate Valet service to drop off and pick up your vehicle Free rental car if necessary Can replace the windshield and aftermarket parts if necessary Will help you file an insurance claim Will waive your insurance deductible Will work with your schedule Having a repair shop handle the insurance claim on your behalf is a big advantage. Dealing with the insurance company by yourself can be stressful. You can feel pressured to use one of the insurance’s contracted partner shops, which is almost never in your best interest. Look for a hail repair shop that will be your advocate and give you five-star customer service. Repair Timeline Some shops put customers on a long waiting list, especially during storm season. Look for a company large enough to handle high demand. They should be able to tell you how they scale up when they need to. Customer Reviews See what other customers say about any hail repair company you’re considering. Google, Yelp, and Facebook are good resources to get an idea of a company’s reputation. A few bad reviews are normal. The overall rating will tell you what most customers’ experience with the company was like. Choosing the Best Auto Hail Repair Company When you need hail repair for your car, you want

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car parking after no deductible hail repair

Auto Hail Repair No Deductible – Facts & Myths

Every year, thousands of cars suffer from hail damage across the United States. If you have comprehensive insurance to cover auto hail repair and are looking for auto hail repair, you’ve probably seen advertisements about “Auto Hail Repair, Pay No Deductible.” While waiving deductibles is becoming common in the auto hail repair industry, a few customers question the legality and how it works.   For us at StormWise, assisting customers with deductible coverage is a business decision. We are on a mission to provide the fastest, easiest, and best experience for hail damage repair. Let’s explore the ins and outs of insurance and deductible options for hail damage repair: Is it legal to waive a deductible for auto hail damage repair in Colorado? This is the burning question on everyone’s minds, so let’s talk about this first! The reason people commonly think that waiving an insurance deductible for an automotive claim is illegal is based on Colorado Senate Bill 38 (C.R.S 6-22-101 to 6-22-105), signed into law in 2012. The bill specifically states in section C that the bill is intended to protect consumers by “Prohibiting roofing contractors from paying, waiving, rebating, or promising to pay, waive, or rebate all or part of any insurance deductible applicable to an insurance claim made to the property owners property and casualty insurance for payment for roofing work on the residential property covered by a property and casualty insurance policy.” You may notice one key word the text from the bill itself, which is “roofing.” Contractors whose business involves residential repair are not allowed to waive, rebate, or promise to pay any part of an insurance deductible. The good news is that most automotive repair facilities are NOT repairing homes or signing customers up for  residential insurance claims and repair, so if an auto hail repair shop in Colorado has offered to waive your deductible, it is 100% perfectly legal to do so. There are two things that must occur for a company to break the law under this bill: 1) they have to be a residential contractor, and 2) they have to be performing work as covered through an insurance claim to residential property. Since you wouldn’t have a residential contractor fix your car or ask an auto body repair facility to repair storm damage to your home, there’s really no way for an automotive repair facility to break this law.   Automotive hail repair specialists, such as StormWise, are not residential repair contractors, and thus wouldn’t be violating C.R.S 6-22-101 by waiving all or part of your automotive hail claim deductible. Average insurance payout for hail damage There’s not much info out there about this because hail damage estimates can be quite complicated. We’ve written an article explaining the details on how to assess hail damage on a car. But if you Google average insurance payout for hail repair, you’ll find the only answer, stating $2,000 – $3,000.   However, having worked in the hail repair industry for more than 20 years, the average hail damage payout is much higher than that. According to our database, the average insurance payout for hail damage is $6,500. That doesn’t mean we’ve never had a $2,000 hail repair, but most vehicles damaged in a hailstorm have extensive damage to the tune of $7,000 – $8,000. It can go as high as more than $15k sometimes. How much does comprehensive insurance cost for hail repair? When you have full coverage, your policy includes the standard 3 separate types of coverage: liability, collision, and comprehensive. Liability covers the other party’s vehicle in the event you’re at fault in an accident, collision covers your vehicle if you are at fault in an accident, and comprehensive is what covers your car in the event that an “Act of Nature” causes damage to your car, such as a flood, hurricane, hail storm, etc. In general, insurance companies will quote you a package price to include all three coverages when you request a quote for “full coverage.” The price will be evaluated by your insurance company based on your vehicle’s value, your driving record, the history of insurance claims, and some other factors. There are also extras you may elect to purchase on your policy such as glass coverage (usually a low price, low deductible option to cover the glass only damage to the car in the event of rock chips or a break in), rental car coverage (an extra monthly amount to provide a rental if your car is in the shop needing repairs), or vehicle replacement coverage (with some insurance companies, you can pay for them to actually give you 20% of your car’s value in the event that the car is totaled to put down on a new car…how great is that?!) We checked several insurance estimate calculators and came up with the average estimates based on general information below: Comprehensive insurance coverage for 2018, Subaru Crosstrek, for 80 miles/week, with lease (so we know the comprehensive coverage is included in the quotes). Nationwide: $1592/yr Allstate: $2784/yr Geico: $2478/yr Farmers: $2920/yr Progressive: $1684/yr State Farm $2679/yr Do I have to pay a deductible for hail damage? Indeed, comprehensive insurance usually comes with a deductible that has to be paid. Sometimes a zero deductible is an option at an additional cost. In most cases, customers carry a $500 to $1,000 deductible. If your car is hit in a hail storm, regardless of your deductible, the cost to repair your hail damaged vehicle will likely exceed your deductible amount. If you live in an area where hailstorms are frequent, your deductible expense can accumulate fast. Now comes the good news for Colorado residents: We can help cover your hail claim deductible! Not a myth: Auto Hail Repair No Deductible Unlike a direct repair shop, which doesn’t or can’t afford to assist customers with their deductibles, StormWise is an independent premium repair company in Colorado, specializing in auto hail repair. Paying for your deductible is a business decision we

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do i have to use a direct repair shop

Do I have to use a direct repair shop?

It’s a question we get all the time! Should I go with a Direct Repair Shop or take my chances with an independent repair shop? What is DRP? Direct Repair Shops, or commonly known as “DRP’s,” Direct Repair Programs, or Direct Repair Networks, are basically body shops with whom your insurance company has direct contracts to fix their customers’ vehicles. When you call in your automobile hail damage claim, many times your claims representative will encourage you to go directly to their DRP to have your estimate and repair done.  Sometimes your insurance company will have their adjusters in-house at that body shop who are writing estimates and paying their insureds out for the covered damage. Other times, they may have a deal worked out with the shop where an employee at the shop writes the estimates, and your insurance agrees to simply pay whatever their estimate comes to, or provides a fee to the shop for each estimate written. Unfortunately, the way most insurance companies determine what shop to use as a direct repair shop is by going around to various shops in the area and seeing who will do the work the cheapest. Do I have to use a direct repair shop? The short answer is No! As a consumer, you have the right to request that your vehicle be repaired at a shop of your choice. If you’ve ever had body work done, you know that this is a disastrous way to determine who will work on your car. In this business, the proverbial saying “you get what you pay for,” definitely holds true. There are three main reasons I highly recommend NOT going with the direct repair shop your insurance company has selected.   1. No chance of any deductible assistance The first main reason is that DRPs are going to charge you your deductible no matter what!  The Direct Repair Shops have to do this for a number of reasons; a major one is because the body shop’s agreement with the insurance is that they are required to perform the repairs for whatever the insurance company’s adjuster has written the damage at. Unfortunately though, adjusters miss damage more often than not. So the body shop can’t afford to lose any more money than what they’re already more-than-likely going to lose since the adjuster may have missed some things.  In fact, about 99% of the cars we see have at least some damage that the adjuster has overlooked, which we typically send a “supplement request” to the insurance for so they will pay for the COMPLETE repair of the vehicle (since typically, people want ALL the dents fixed, not just a few of them :).   As a DRP, they aren’t allowed to supplement in some cases, so they need that last $250, $500, or $1,000 to make a profit on the car. 2. Most DRPs don’t specialize in hail damage repair Here is the second main reason I’d recommend not going to your insurance company’s direct repair shop: many times DRPs are “Body Shops,” meaning they specialize in working on the exterior body of the car. This includes painting, replacing parts, and using fillers to fill in holes. Now, fillers and re-painting is not always bad, you just really need to make sure you’re going to a shop with a lot of experience and knows what they’re doing if you’re going to have fillers such as bondo put into your new car and are thus going to have it re-painted.  Here’s a good video on the right and wrong types of bondo: Again, it’s very important to note that in this business you get what you pay for. When an insurance company has selected a body shop who agrees to do work for cheaper than any other body shop in town, it’s important to ask yourself why have they agreed to do the work cheaper? What corners are they going to cut in order to save money for themselves and still make a profit? Are they using quality products that will last as long as the car? Or are they going to fill it and re-paint it with cheap products that will crack out over time, fade poorly as opposed to the factory paint job, or just look plain sloppy?  So, back to the subject here, that a reason a Direct Repair Shop may not be a good option is that they are usually body shops. Paintless Dent Repair is the preferred method to repair hail damage, and the easiest, least invasive way to fix it. StormWise is not a standard auto body shop. We are a paintless dent repair company specializing in hail damage repair and dent removal via craftsmanship and metal-working: a process which does not require new parts, fillers, or paint.  As opposed to us, body shops are going to be more inclined to simply purchase new parts, such as a new hood, roof, or deck-lid, instead of using PDR to fix your car’s hail damage. That’s how they make their profit. Auto body shops do this because maybe they are not as quick at PDR as they are at simply purchasing and painting a new part, or because it’s actually cheaper to have their in-house guy who is well-seasoned at using fillers and re-painting perform the repair instead of paying a PDR specialist like the technicians we employ to fix the dents.  As we previously mentioned, fillers and paint aren’t always bad, but good paint guys are very hard to find. After-market paint will in most cases devalue your car no matter how good it looks, after-market paint usually fades differently over time as compared to the factory finish, and after-market parts, such as hoods or decklids, may not always fit your car exactly as an original manufacturer part does. 3. Why not use a hail repair specialist?  Lastly, if your insurance company is paying for this repair, wouldn’t you want to have the work done by people who can make it appear as if your car never had hail damage? Why take a chance at having a body shop do the work and potentially

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hail damaged car

How Much Does Hail Damage Devalue A Car?

The Cost of a Hail Storm It’s surprising to most how much damage a hailstorm can do: what looks like a few dimples here and there on your car can actually cost thousands of dollars to fix. But the real question is: will your insurance cover the car hail damage repair cost? There are 3 different types of insurance coverage a car can have. If you have comprehensive coverage, you’re in luck. If you have liability-only insurance for your car or truck, the hail damage will not be covered.  However, if you don’t have comprehensive insurance or want to keep the insurance payout and sell your vehicle, you may be wondering how much un-repaired hail damage can devalue your car. It depends on the situation. Minimal hail damage is mainly cosmetic, but more serious damage can make a car undrivable. In general, it’s best to get car hail damage repaired as soon as possible — it could just save the value of your car. How Much Does It Cost To Repair Hail Damage? (Click to view the infographic) The cost to repair the damage can be quite steep. The average cost of auto hail repairs is $6,500 (After more than 20 years fixing hail-damaged cars, we know!). Repair costs could be as little as $2,500, or as high as $16,000, depending on various factors that will affect how the hail damage is estimated.  While some mistakenly are told that hail dents can be repaired for as little as a few hundred dollars, beware that that is not referring to a bumper-to-bumper full hail repair. A small dent repair job may be relatively inexpensive, but when several panels have numerous dents, the price will likely be in the thousands.   Car Value And Insurance Hail Coverage If you have comprehensive insurance to cover your hail damage, is it worth filing a hail claim?  For extensive hail damage, the rule of thumb is that if the damage exceeds your comprehensive deductible, it’s advisable to fix it. But if the repair cost exceeds around 50% to 60% of your car’s value, your vehicle might be considered a total loss, otherwise known as “totaled.” If the repair cost does exceed 50% to 60% of your car’s value, you should still consider making the claim.  Just keep in mind that if your car is deemed totaled by the insurance, the hail repair claim could become part of the Carfax vehicle history report—information that is public to potential car buyers. This could knock thousands of dollars off your car’s trade value when you go to sell it.   How To Determine a Car’s Value After Hail Damage? The value of your car is evaluated on the following factors: The type and condition of your car The age of your car (mileage) Additional add-on features The industry standard for new and used car value is based on Kelley Blue Book (kbb.com). You can also get a rough idea of pricing from the National Automotive Dealers Association website. How Much Does Insurance Pay For Hail Damage? Once you file a hail claim, the insurance company will typically schedule an adjuster appointment to look at the damage and write an estimate. Since COVID-19, however, many insurance providers have been moving away from field adjusters and towards virtual estimating techniques. Either way, an adjuster will inspect the car in person or virtually. Then, they will put together an estimate for the repairs. From there, they will send you or the repair facility a check. This is typically a two-party check with both the insured and the repair facility listed. They do this to ensure the car gets fixed. If you haven’t selected a repair facility by the time the insurance is ready to initiate payment, they will sometimes make it out as a two-party check to you and your lien holder. The lien holder is the bank who has loaned you the money for the car. This is because technically you don’t own the car until it’s paid off. If you own the car outright, the insurance company may also simply mail you a check for the estimate minus your deductible. Sounds pretty straightforward, doesn’t it? Well, it’s not always like that. In fact, 99% of the time, the estimate you receive from a repair shop will be higher than your insurance tells you. That’s because the initial estimate from the adjuster didn’t capture all the damage. If that happens, don’t panic. A qualified provider (like us!) will write a list of items your insurance didn’t capture and send it to your adjuster to approve. This is called a “supplement.” An insurance supplement is a complicated matter, but it can be done.  Besides the cost to fix the hail damage, your insurance policy may also cover a rental car while your car is in the shop being repaired. Even if your policy doesn’t include rental car coverage, if you fix your hail damaged car at StormWise, we’ll provide a loaner free of charge.*. Plus, we can usually help cover your deductible—simply ask one of our helpful customer representatives about the offer. Will Filing For A Hail Repair Increase My Insurance Premium? The short answer is NO, as hail damage is considered an Act of Nature. However, most insurance companies would tell you that they keep a record of every hail claim, and if you have an exorbitant amount of hail claims, they could drop you. We see this in very rare cases, and it only happens when it’s questionable whether the hail claims are legitimate. Insurance companies actually make up the loss when catastrophic hail damages a large number of cars and homes in one zip code by raising the rates for everyone in the affected area. They get away with this as it’s not technically singling any one individual out who has made a hail claim, but rather everyone in the area, whether they made a claim or not. Upon the next renewal, everyone will have slightly higher

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hailstorm over the mountains

What to Know About Hail Damage Repair Cost and How to Get Your Car Fixed With No Out Of Pocket Expense

In June 2020, a hailstorm rolled through the front range. The intense storm set off national weather alerts and produced pea-sized to golf ball-sized hail stones. One storm even dropped up to 5.5-inch large pieces of hail in Castle Rock. Even if you’ve only had quarter-sized hail stones in your area, it may still pose significant damage – small hailstones can actually reach speeds of 20 mph and usually come down in greater quantities than large hail, creating a higher risk for damage.  We have already seen extensive damage from the June 2020 storm to the tune of $7,000 to $8,000 in damage, and our customers showed us photos of the hail damage that was no larger than a grape. If you were caught in that particular hailstorm, you might have wondered how you could fix all the dents and cracks or broken parts (windshields, taillights, etc.) and how much to fix hail damage on car. Average Hail Damage Repair Cost Based on our database, out of 700 cars StormWise fixed, the average cost is $9,000.It could vary between $2,511 and $16,875, depending on the true extent of the damage. We wrote an in-depth article explaining the ins and outs of a hail damage estimate. Click here to learn how hail damage is assessed on a car. You can also get a free estimate using our auto hail repair cost calculator. These hail damage repair costs don’t look pretty, so you may be wondering if the hail damage on your car may even be worth fixing. Is It Worth Fixing Hail Damage On A Car? Hail damage is complicated for several reasons. The storm is made up of heavy ice balls formed in the upper a YES, definitely—and if you’re ready to get your car fixed, here are your dent repair options. It may seem like you’re spending too much just to take care of cosmetic issues, but these seemingly minor damages can progress to more expensive repairs down the road. There are three main reasons you should fix hail damage:  1. It will maintain your car’s value and keep factory paint warranty  2. If an accident happens, insurance won’t refuse payment because of pre-existing conditions  3. Avoiding further damages How Much Does Hail Damage Devalue a Car? If you’re wondering how much hail damage devalues a car, your vehicle’s overall value plummets significantly even if the damage is purely cosmetic. This is why it’s advisable to have a hail-damaged car repaired by a trusted PDR technician right away—it’s to preserve the vehicle’s value as well as the factory finish. A few factors to look at to get a better understanding of how hail damage devalues your car: Does your car have any add-on components? How old is your car? (Mileage) What type of car do you have? What condition is it in? No one wants their car’s value to drop significantly, so can you use your auto insurance to address the hail damage? Will Auto Insurance Pay For Hail Damage Repair? There is some good news: your auto insurance may have you covered – that is, if you have comprehensive coverage (NOT liability-only or collision insurance). Comprehensive claims cover “Acts of Nature” and do not affect your rates whatsoever. If you have full coverage, you’d likely have a comprehensive policy included, which means the damage can be fixed without increasing your insurance premiums. Sometimes, the minor hail damage may not be enough to meet your deductible, while some severe hail damage can total even a brand-new car. Can a totaled hail damage car still be saved? To determine whether the car can be repaired or totaled, make sure to talk to a professional hail repair company. StormWise employs reputable and experienced paintless dent repair technicians that can talk you through your options and help file an insurance claim. OUR 2-Cents on Insurance Coverage According to the National Insurance Crime Bureau (NICB), Colorado had the second-highest number of hail claims in the US from 2016 to 2018. If you live in Colorado Springs (or other cities in Colorado), it’s essential to have comprehensive coverage to prevent you from paying for hail damage. Insurance companies sometimes prevent individuals from purchasing last-minute coverage right before a disastrous weather event is predicted to occur. If you just moved to beautiful Colorado from another state and haven’t checked your auto insurance coverage for a long time, it’s a good idea to review it now. About Hail Damage Insurance Statute of Limitations If your vehicle has been damaged in a hailstorm, you should have it inspected and repaired immediately. Most insurance companies will have a statute of limitations for hail damage, so to take advantage of your auto insurance policy, have the vehicle inspected and repaired as soon as possible.  When you drive around with what the insurance company calls “unrepaired damage,” you’re already running a risk. If you get into an accident and your car is a total loss, the insurance can net off the amount of unrepaired damage that you have on the car, which would decrease the payout you would receive for the total loss. This can be extremely disastrous if you owe more on the loan than what the insurance pays out to you! Even if you have “gap coverage” through your lienholder, that DOES NOT cover any difference in the insurance company’s payout due to unrepaired damage. If you are to file a claim (perhaps for the hail damage from a recent hailstorm), keep in mind that your car won’t be the only one affected by the hailstorm. It may take longer than usual to process your insurance claim and repair your vehicle, but it’s more important than ever to act quickly to ensure you repair the damage quickly. Quick Turnaround and Virtual Estimate at StormWise Most hailstorms occur from May to July in Colorado but sometimes start early in April and can last until September.  When there’s a huge hailstorm, automotive body shops can get backed up for months!

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