The Hail Shop USA

Auto Hail Repair Denver

Insurance

Hail Damage Claim Phone Numbers & Online Filing Info

File Hail Claim Online or Phone

Bookmark this page. Below, you will find up-to-date auto hail claims information for all major insurance companies. Use these links and numbers to file your claim directly online or by phone.

Before You Call: Hail Claim Checklist

Prepare this information to ensure a smooth and fast claims process:

  • Policy Information: Have your policy number ready.
  • Event Details: Date, time, and location of the hail storm.
  • Visual Documentation: Clear photos of the damage (hood, roof, and trunk).
  • Vehicle Details: Current mileage and VIN (found on your dash or door jamb).
  • Repair Choice:
    “I am choosing The Hail Shop USA for my repairs. Please send the estimate and communication to their team.”

STATE FARM

To start your auto hail claim, call 1-800-SF-CLAIM (1-800-732-5246), report a claim online, or contact your State Farm® agent. You can also text “CLAIM” to 62789 to receive a direct filing link.

GEICO

File your GEICO hail claim online: File Online
GEICO Insurance hail claims phone number: 1-800-841-3000

PROGRESSIVE

File your Progressive hail claim online: File Online
Progressive Insurance hail claims phone number: 1-800-776-4737

ALLSTATE

Allstate Insurance hail claims phone number: 1-800-255-7828.
Start your claim using the Allstate® Mobile app or contact your local agent directly.

SAFEAUTO

SafeAuto Insurance hail claims phone number: 1-800-723-3288
File your claim online: File Online

FARMERS

Farmers Insurance hail claims phone number: 1-800-435-7764
File Farmers hail claim online: File Online

AMERICAN FAMILY INSURANCE

American Family Insurance hail claims phone number: 1-800-692-6326
File AmFam hail claim online: File Online

SHELTER INSURANCE

Reporting early helps schedule adjusters faster. File your claim online, or call 1-800-743-5837.

FARM BUREAU FINANCIAL SERVICES

Report your auto claim via these three options:
• Quick Claim Online
• Contact your agent directly
• 24-hour Claims Center: 1-800-226-6383

NATIONWIDE

File Nationwide hail claim online: File Online
Start a Claim or Request Assistance: 1-800-421-3535

Hail Damage Claims

Auto Hail Damage Insurance Claims 101

Vehicle hail damage claims are one of the top types of claims reported to insurance companies. In fact, in the last few years, hail claims have risen approximately 45% nationwide. As hail occurrences don’t happen every year and some are worse than others, hail storms and the damage they cause to personal property can be a huge aggravation and major time sucker.

There are basically two directions you can take when a hail catastrophe affects your personal property. You can choose to get the auto hail damage repaired or live with it. Vehicle owners with comprehensive insurance coverage have the advantage of 100% coverage on damage caused by Mother Nature. Damage caused by hail, wind, flooding, and fire is covered but unless the damage far exceeds the cost of the deductible, some vehicle owners decide it just isn’t worth it.

In this article, we will cover some of our auto hail damage customers most frequently asked questions, including: Should I get hail damage fixed on my car? Can you keep your car if it’s totaled? Do insurance rates go up after hail damage? And more.

If we have not answered your question, please send it to us and we will make sure it is addressed.

Should I get hail damage fixed on my car?

If you still owe money on the vehicle and if the vehicle is still relatively new. If you have a new vehicle, yes – you should get the hail damage repaired. If you don’t and you decide to sell the vehicle, later on, the value of your car will be greatly reduced. If you have an older vehicle that you plan on keeping around, It really depends on if you can live with it. Many people with older vehicles will ultimately keep and spend the insurance company check.

One thing to keep in mind: If in the future, the car is involved in an automobile accident or another hail storm — whether it’s your fault or not — the pre-existing hail damage will be deducted from any settlement. Insurance companies will not pay on a claim twice.

Can you keep your car if it’s totaled?

Really, the choice is yours. If you decide to accept the “totaled” decision made by your insurance company but still want to keep the vehicle, your insurance company will issue a check worth the cash value of the vehicle, minus your deductible. Essentially, the amount of money your vehicle could have been sold for to a salvage yard.

Do insurance rates go up after hail damage?

No. Hail damage is considered an “Act of God” or “Mother Nature.”  Damage of this kind to your vehicle or home is completely covered by your insurance policy if you have comprehensive insurance taken out on your vehicle. The only financial obligation you will have is the deductible.

At The Hail Shop USA, we cover your deductible so the cost to get your hail damage repaired is $0.

How to file a hail damage claim?

Filing a hail damage claim with your insurance claim is the first step to take if your vehicle was exposed to a hail storm. The number to call can be found on the back of your insurance card or you can visit our blog that lists common insurance company phone numbers and online filing links. The process is easy and only takes about 5 minutes.

Tip: Have your insurance card, paper, and pen ready. You will be given a claim number and an agent name.

Auto Hail Damage Filing Phone Numbers and Online Filing Links.

How long do you have to claim hail damage on a car?

The deadline is typically 12 months from the date of the hail storm. The reasoning here is because if you live in an area that is frequently hit by hail storms, it is probably going to happen again. Insurance companies prefer to deal with one storm at a time. Hail from a singular storm is easier to identify and repair than layers of hail damage.

How do you repair hail damage on a car?

If you search the internet for “How do you repair hail damage on a car?” you will get google results pages full of DIY hail damage dent repair methods. Questionable methods to say the least. Our advice to you is if you plan on reselling your vehicle in the future, leave the auto hail repair to the professionals. One mistake can be costly and potentially cause permanent damage to your vehicle. If you accidentally overextend a dent while trying a DIY method you found online, the results could mean a complete panel replacement.

So, put down the plunger, leave the hair dryer in the bathroom, and only use dried ice on Halloween. We promise you will thank us later.

In conclusion, hail storms and everything that comes with them, including hail claims, can be frustrating. Our job here at The Hail Shop USA is to make the process a little smoother.

Auto hail, flood & wind damage insurance claims

Flood Victims Are Asking, What Is My Insurance Coverage?

Many of your frequently asked questions regarding vehicle flood and hail damage have been researched, gathered, and posted below.*

In a catastrophe situation, taking measures to ensure your safety is imperative. Do not drive your vehicle through standing water.

The first question would be, “Do you have a comprehensive insurance policy on your vehicle?”

If yes, this is what State Farm says about comprehensive coverage.

“Comprehensive coverage pays to repair or replace a covered vehicle that’s stolen or damaged by something other than collision or rolling over. For example, damage caused by fire, wind, hail, flood, theft, vandalism and hitting an animal is covered.” – Sited from the State Farm’s website.

If no, for auto hail damage, we suggest getting an inspection from a local paintless dent repair company. For vehicle flood damage, get an estimate from your insurance adjuster.

What do I do if my car or truck has extensive flood damage?

Calling your insurance agency and filing a claim is your first step. Most auto insurance agencies have a claim line. In the case of a catastrophe, such as the flooding, time is probably not going to be on your side. There might be longer than usual wait times for adjuster assignment.

The best thing you can do is get your vehicle out of the water. Before you attempt to move your vehicle from high water, please consider the following.

Vehicle Flood Damage Checklist

  1. Check for damage. If your vehicle is mostly submerged in flood waters, do not attempt to start your vehicle. If there is water in the engine, starting it will damage it more. If your vehicle is mostly submerged, call a towing company or find a friend that has a tow kit and remove the vehicle (if accessible and safe) from the water. If you know for certain there is NO water damage to the engine, move on to step 2. If you are not sure, move to step 1(a-c).
    1. (a) Check engine fluids. If your transmission fluid or motor oil appears milky, the engine has water damage.
    2. (b) Check the air filter. Is it wet or damp? If yes, you have engine water damage.
    3. (c) Still not sure? Contact a mechanic or someone that does vehicle engine work. It is not worth putting yourself at risk to save your vehicle.
  2. Salt Water or Fresh Water Submersion. Salt water submersion is much more damaging than fresh water.
    1. (a) Salt water. If the water is salt water, contact a towing company or find a friend with a towing kit to help you get your vehicle out of the salt water. Salt water can increase chances of corrosion. Once the vehicle is out of the water, dry it off as quickly as possible.
    2. (b) Fresh water. Start drying the vehicle.
  3. Clean the vehicle’s interior. Pull anything and everything out of the vehicle that is not attached and put in the sun to dry. If your vehicle’s seats are removable, pull them out. Don’t forget the trunk.
  4. Remove the moisture. Use a wet/dry vacuum to collect standing water. Use towels to remove moisture from seats and carpet. Using fans to further dry the interior is suggested.
  5. Check the fuel tank and line. Use a store-bought siphon pump to remove some fuel. If you note any water (which would naturally separate from the fuel), you’ll want to empty the tank completely.

If the adjuster declares the vehicle “totaled,” there is no reason to file a claim for auto hail damage. If the vehicles IS repairable, you can then have them provide an estimate for the cost to remove the hail damage. This can be done by the same adjuster and put on the same claim.

Make sure the damaged vehicle is checked by a mechanic before attempting to drive the vehicle.

*  The resourced used this article was partially obtained from various sources not associated with The Hail Shop USA. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. 

Does liability auto insurance protect you from hail damage?

I have liability auto insurance, is hail damage covered?

Unfortunately, no. Liability coverage is will only cover the damage to the property of others or injuries to anyone that you caused with your vehicle.

Auto hail damage to your vehicle is will only be covered either by a complete collision or comprehensive insurance coverage. A collision coverage policy is pretty self-explanatory – it pays for damages if your moving vehicle hits something or if another moving vehicle hits your vehicle. A comprehensive coverage policy covers virtually everything else, including fire, theft, vandalism, hail damage, wind, flood, falling or flying objects, etc. A collision caused by an animal or with an animal is also covered.

Comprehensive coverage also typically covers glass breakage even if caused by a collision. This also means if your windshield is cracked or broken due to a hailstone, this damage will be covered.

Should I get full coverage or comprehensive insurance coverage?

If you live in tornado alley or anywhere hail storms are a common occurrence, then yes. In McKinney, TX, where The Hail Shop is headquartered, auto hail damage is almost a yearly occurrence – oftentimes more. Better yet, if you have a vehicle that you don’t want to be hail damaged or you don’t want to pay for the hail damage to be repaired, get comprehensive coverage.

Hail damage claim deadline

[fusion_builder_container admin_label=”” hundred_percent=”no” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”no” class=”” id=”” background_color=”” background_image=”https://www.thehailshopusa.com/wp-content/uploads/2017/03/auto-hail-repair-the-hail-shop.jpg” background_position=”center top” background_repeat=”no-repeat” fade=”no” background_parallax=”down” enable_mobile=”no” parallax_speed=”0.4″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”0px” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”10%” padding_right=”5%” padding_bottom=”10%” padding_left=”5%”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_text]

THE HAIL SHOP

How long do I have to file an auto hail damage claim?

[/fusion_text][fusion_separator style_type=”none” top_margin=”10px” bottom_margin=”10px” alignment=”center” /][fusion_button link=”https://avada.theme-fusion.com/medical/make-appointment/” target=”_blank” alignment=”center” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” color=”green” size=”xlarge” stretch=”no” icon_position=”left” icon_divider=”no” animation_direction=”left” animation_speed=”1.0″]Make An Appointment[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=”” hundred_percent=”no” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”40px” margin_bottom=”20px” padding_top=”” padding_right=”” padding_bottom=”” padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” hover_type=”none” link=”” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding=”” dimension_margin=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_title margin_top=”” margin_bottom=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” size=”2″ content_align=”center” style_type=”default” sep_color=””]

How long do I have to file a hail damage claim deadline?

[/fusion_title][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”no” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” overlay_color=”” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” padding_top=”” padding_bottom=”” padding_left=”” padding_right=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” border_position=”all” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” center_content=”no” last=”no” min_height=”” hover_type=”none” link=””][fusion_text]

If you live in McKinney, TX or anywhere in the tornado alley, the sound of hail can be very frustrating and can also make you feel helpless.

Auto hail damage comes in many different forms. For instance, pea sized hail more often than not will not leave behind any damage on your vehicle.

Auto hail damage comes in many different forms. For instance, pea sized hail more often than not will not leave behind any damage on your vehicle. When you start seeing quarter-sized hail, this is when you will start to see dents and dings. They might not be visible at first glance but if you clean your vehicle and look at a surface (such as the roof) at eye level, you will probably start to see little dents that almost resemble pockmarks.

If you suspect you have hail damage, we suggest you contact your insurance company immediately.

Is there a hail damage claim deadline? Most insurance companies allow you up to twelve months to file a claim on hail damage.

What happens if my vehicle gets damaged in a 2nd hail storm before I get the first damage repaired? (learn more here)

Should I get my vehicle inspected for hail damage?

If you know your vehicle was exposed in a hail storm, then yes – it is advisable to get the vehicle inspected by a professional or by an insurance adjuster. Even if don’t see hail damage, it could be there.

The Hail Shop offer’s free estimates that can be done at your location or ours. To schedule an appointment, call us at or schedule using our online form.

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]