Should I file a claim/will it be more than my deductible?

If you can see hail damage to more than one panel of your vehicle, it is likely even a high deductible will be less than the amount of repairs.

Should I call my agent? NO!

NO! Unless you have State Farm Insurance, your agent is the wrong person to call. Their expertise is in getting you the correct coverage. In many cases, they will give you the wrong information about getting estimates and waste your precious time. Go straight to the source, the claims department. The phone number will be located on your insurance card. Gather the information suggested on our hail claims worksheet and use it to make sure you have all the information to make the process as painless as possible.

Do I need 3 quotes?

NO! Insurance companies cannot by law require you to spend your precious time running around doing their job for them. Usually they will do one of three things; Send someone to inspect your vehicle, send you to a “preferred” shop or drive through claims center or tell you to go to the shop of your choice (us we hope) for an estimate then send it to them.

Do you work with MY insurance company?

YES! We work with all insurance companies but are a “preferred” shop to none. We work for you, not for an insurance company.

What is a “preferred” or “direct repair” shop?

When an insurance company has a preferred shop or direct repair facility, that just means that they have prearranged with that shop how to do estimates to their standards and usually have negotiated a discount through that shop. Affordable Dent Repair is NOT a preferred shop for any insurance companies by choice. We work for you, not an insurance company. We do work with ALL insurance companies and will provide them with all the required photos and estimate information.

Will filing a claim raise my rates?

Hail and storm damage is a comprehensive insurance claim. That means it will not go against you when they determine your rates. It is an “act of God” and insurance companies cannot cancel you or raise your rates due to this type of claim.


What if there is paint or parts damaged?

It depends on the situation, but if there is no paint damaged and not replacement panels such as a hood or trunk lid, repairs can typically be done in 3-5 days. If you do have panels with broken paint or a panel quoted for replacement, we will determine the repair time based on the insurance approved estimate.


How do I know how much it will cost?

My insurance says I have to go to a certain place for an estimate, but I don’t want them to fix it. What do I do?

If you are talking with a claims representative, this is normal. They have shops they have agreements with, and CAN legally require you to go to them for and estimate. They cannot legally require you to have repairs done at any certain shop. This is YOUR vehicle, and it is YOUR choice where you want it repaired.

I got an estimate from you and insurance sent back a lower estimate.
What do I do now? Do I owe the difference?

NO! Insurance companies use their own matrix for hail and have their own procedures they need to follow. Some insurance companies will pay for certain things like pre and post scans of your vehicles systems while others will not and still others will pay it once we send them the proof of scan. You do not need to do anything with this. We will agree on a price with the insurance company and then work with you to do what you want. If you really want your vehicle pre and post scanned, it may require a quick call to the adjuster, but usually we can handle all of that for you.


This simply means the matrix the insurance company uses only pays a certain amount toward paintless dent repair. If that cost is higher than the approximate cost of replacing the roof, that is how they will write the estimate. Rarely does a roof actually need to be replaced. Many times it can be fixed completely or partially with paintless dent repair, and any paint damage can be fixed after the dents are fixed, all in the same repair visit. In the case of extreme hail, sometimes the roof is too badly damaged and need replacement.

Why does my hood need replaced?

When the price of repairing a panel such a hood is higher than the cost of replacing it, the insurance company will usually write the estimate to replace. Depending on the damage, we may be able to fix it for the same price as replacement, but if not, we will do the replacement and paint.

Will this go on CarFax or any other reporting system?

We do not report anything to any agencies, but we cannot speak for the insurance companies. Each insurance company does things a little differently, so this would be a good question to ask at the time you file the claim.

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