Hail Repair FAQs

Can a hail damage claim increase my insurance rates?
Absolutely not. Hail damage is considered a comprehensive claim or an “Act of Nature,” which is an event that no one can predict. Insurance companies will not hold these claims against your insurance record, nor will they increase your premiums. Ask your agent about comprehensive claims and they will say the same thing.

How much does auto hail repair cost?
Auto hail repair costs can vary tremendously depending on many factors like the car condition and the damages. Very light damage usually runs around $3,000 while estimates on severely damaged cars needing panels and parts replaced can exceed $15,000.

However, hail damage is covered under a comprehensive insurance claim. When you repair your car at StormWise, there usually aren’t any out-of-pocket expenses, including repair costs, insurance deductibles, nor rental vehicles. For customers who don’t have comprehensive insurance, give us a call at (720) 439-9533 to get custom pricing. It’s always fair and transparent. 

What if my insurance company doesn’t cover a rental car while my car is being fixed?
If your insurance company doesn’t cover car rental and your car must stay at our shop for repairs, StormWise will cover up to $35 per day for a rental car. On average, rental cars cost $17 per day, so this is more than enough for most customers’ needs.

We will even meet you at the rental facility to make the switch easier!

Any way I can follow along on the repair progress?
Always. We’ll send you pictures and updates when requested. Nothing is hidden.

What is StormWise’s Lifetime Warranty policy?
One of the benefits of Paintless Dent Repair is that once the metal has been bent back to its original position, it will stay that way for the life of the vehicle. If anything ever comes up with your car down the line that you believe to have been a result of our repair, call us and we will make it right!

We treat every customer as we would want to be treated if where we in your shoes, which is why we are proud to boast an A+ rating with the Better Business Bureau.

What is StormWise’s Free Valet Service?
For those who do not want to drive the distance to get to our shop, we offer a free valet service for any full auto hail damage repair.

If you need valet service to the StormWise facility, your customer service representative will come to pick up your vehicle. We’ll communicate with your insurance about the estimate and repair progress. Once we finish repairing your vehicle, your representative will deliver the vehicle back to you. If you were provided a rental by StormWise, your representative will pick it up and return it for you, all free of charge!

What happens if StormWise’s estimate is higher than my insurance company’s estimate?
Estimates are subjective opinions of damage and can vary widely. Additionally, it can be difficult to see hail damage outside in the bright sunshine, which is why we use the specialized paintless dent repair lights.

As industry leaders in auto hail repair, we are experienced with resolving and negotiating differences like this. We will contact your insurance company directly for any additional funds (called “supplements”) necessary to repair your vehicle to its pre-loss condition.

How long is my hail damage repair estimate valid?
In most cases, you have a year to claim and repair your car after an incident. This can vary by your policy, however, so it is always a good idea to make your claim and repair the damage as soon as possible.

Something to keep in mind though – when you get the initial estimate, the cost is based upon current labor rates and parts cost, which could vary in the future.

What if I decide not to fix my hail damage?
If you choose to forego the hail damage repairs to your vehicle and settle your insurance claim for a cash payment, a restriction for the un-repaired damage will be placed on your insurance policy.

This can be problematic for a number of reasons.

For example:

• Your insurance company initially says you have $3,000 in damage, and you own a car that is worth $20,000.
• The insurance company pays you the amount of your damage ($3,000) minus your deductible ($500), which is $2,500 and you keep the money and don’t repair the car.
• Then down the line, maybe even just a couple months later, you decide to trade the car in (because you hate looking at the damage).
• The dealership says that they will offer you $10,000 for your car that should be worth $20,000,
  • Why is that? “Because” they say, “there is $10,000 in hail damage on the car that we will have to have fixed before we resell it.”
• $10,000?? But they only paid me $2,500!
• This is because there is usually (99.9% of the time) more damage on the car than what the insurance adjuster sees and pays for on that initial insurance estimate.
• So at this point, how much is that $2,500 really worth if it just cost you $10,000 on your trade-in?

This is not a hypothetical example, but a real life situation that we see happen over and over again.

If you choose to repair the hail damage to your vehicle later on, you must notify your agent to have any restrictions on your policy removed.