Should You File an Insurance Claim for Hail Damage Repair?

Lakewood residents understand the dangers that hail presents to them during the harsh Colorado winters. For so many drivers, dents and dings ultimately require them to find expert hail damage repair lakewood co to keep their car in good condition. But, the question is, should you get the insurance involved when there is damage that you need to have repaired?

If you carry full coverage auto insurance, they may pay for the costs of hail damage. Check your policy to learn if it is covered. Read the fine print as well. Sometimes, it is better to pay the costs of the damage than to file a claim. Will it affect future costs of your policy? How much is your deductible? All of this information is important to keep in mind when it’s time to schedule hail damage repair.

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Most people find that it is cheaper to pay the cost of the damage out of pocket versus file a claim but this is not true for every person.  It is important to learn firsthand which option is best for your needs. You can always talk to a professional to learn more about the costs to better decide if it is worth filing a claim with the insurance company. The costs of the job should ultimately decide this information for you.

On average, hail damage repair costs about $100, so you can certainly understand why it makes sense to pay for the repair out of pocket rather than file a claim, meet the deductible (which starts at $500) and deal with the insurance adjuster, waiting periods, etc. that you’ll face when working with the insurance company. For more serious hail damage, of course it may be beneficial to call the insurance company.