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Who Hail Insurance Claim Repair Is For
This page is for Denver drivers whose cars were just hit by a hailstorm and who carry comprehensive insurance. Hail is a covered, no-fault claim, so filing typically will not raise your rates the way an at-fault crash would. Mile High Dents handles the claim from first call to finished repair, works directly with your adjuster, and uses paintless dent repair to protect your factory paint. Free estimates and free pickup and delivery across the Denver metro. Call (720) 772-0133
You waited out the storm, and now your car looks like it lost a fight with a bucket of golf balls. If you are holding your insurance card and wondering whether to file a claim, what it will cost you, and who you can actually trust, this page is for you. At Mile High Dents, hail is what we do. Over 99 percent of our work is hail damage repair, and we handle the whole process, from the insurance paperwork to the finished repair, so you can get back to your life.
This Is for You If You Just Got Hit by a Colorado Hailstorm
If a storm just left your car covered in dents, you are exactly who this page is for. Here is what usually brings drivers to us in the days after a storm.
You found dozens of dents on your hood, roof, and trunk
Hail usually leaves dozens, sometimes hundreds, of small dents across the flat, exposed panels like the hood, roof, and trunk. It looks alarming, but most of it is cosmetic and a strong candidate for paintless dent repair rather than a full body shop job.
You have comprehensive coverage and are not sure what to do next
If you carry comprehensive insurance, your hail damage is covered, minus your deductible. Most drivers are covered: about 80 percent of insured drivers carry comprehensive coverage, per the Insurance Information Institute. The Colorado Division of Insurance confirms that comprehensive pays for damage from causes like fire, theft, vandalism, and hail.
You want it handled without weeks of phone calls
You do not want to spend your week chasing adjusters and sitting on hold. Once you file, we step in as your claim liaison and coordinate the rest, so the insurance side stops being your problem.
Why Denver Drivers File Hail Claims Every Single Year
Denver drivers file hail claims every year because the Front Range is one of the most hail-prone regions in the country.
Denver sits in the heart of Hail Alley
Denver sits in what meteorologists call Hail Alley, where the National Weather Service counts roughly seven to nine hail days every year. Colorado ranks second in the nation for hail insurance claims, behind only Texas, according to the Rocky Mountain Insurance Information Association.
What a typical Colorado hail season looks like
Hail season runs from about April 15 to September 15, and June is the peak. The Front Range sees three to four catastrophic hailstorms in a typical season (RMIIA). The May 8, 2017 metro storm is still Colorado’s most expensive insured catastrophe, with roughly 2.3 billion dollars in insured losses across about 167,000 auto and 100,600 home claims. If you want the details on when damage crosses into total-loss territory, we cover that below.
Will Filing a Hail Claim Raise My Rates? (The Honest Answer)
In most cases, a hail claim will not raise your rates the way an at-fault accident would, because hail is treated as a no-fault, act-of-nature claim under comprehensive coverage.
Why hail is treated as a comprehensive, no-fault claim
Hail is nobody’s fault, so insurers file it under comprehensive as an act of nature, which is handled differently from a collision you caused. That said, your own policy, carrier, and claims history still matter, so the honest answer is to confirm with your insurer before you file rather than assume.
What happens to your deductible
A comprehensive claim comes with a deductible, usually somewhere between 500 and 1,000 dollars, which is the portion you are responsible for. We give you a clear, written estimate up front and handle the claim and adjuster coordination so there are no surprises. If your policy includes rental coverage, we can help you coordinate that while your car is in the shop. When you are ready, you can file your claim here and we take it from there.
Will My Car Get Totaled? What Colorado Drivers Should Know
Most hail damage does not total a car, and even when it does, Colorado law protects your car from a salvage title for hail.
How insurers decide total loss
An insurer may declare a total loss when the repair estimate gets close to your car’s actual cash value, which is its pre-storm value after depreciation. There is no fixed legal percentage in Colorado. The Division of Insurance says the total-loss decision is each insurer’s own business call, so your adjuster makes the determination for your specific vehicle.
The Colorado hail salvage exemption
Here is the reassuring part. Colorado’s salvage-vehicle statute (C.R.S. section 42-6-102(17)(a)) specifically exempts a total loss caused by hail from salvage-title branding. So even in the rare case that hail totals your car, it is not saddled with a salvage title the way most total losses are, which helps protect its future value.
How Mile High Dents Handles Your Claim From Start to Finish
We handle the entire claim, from the first estimate to the finished repair, so you are not managing the insurance side on your own.
Free estimate and damage documentation
We start with a free estimate and document every dent. That gives you and your insurer a clear, written record of the damage, which keeps the claim moving.
We work directly with your adjuster
We work directly with your insurance provider as your claim liaison, coordinating with the adjuster so you are not chasing phone calls or deciphering coverage fine print.
Paintless dent repair that preserves your factory paint
We fix hail damage with paintless dent repair, gently working each dent out from behind the panel with no sanding, fillers, or repainting. That preserves your original factory paint, which protects your resale value and avoids repainted-panel flags on future appraisals.
Free pickup and delivery and fast turnaround
Too busy to bring your car in? We offer free pickup and delivery across the Denver metro. Most repairs are done in a few days, and lighter jobs can be back to you as fast as 48 hours. We give you a clear timeline at your estimate.
Beware of Storm Chasers (and How to Spot a Trustworthy Local Shop)
After a big storm, out-of-town storm chasers flood the metro, so the safest move is to choose an established local shop yourself instead of reacting to a door-to-door pitch.
Watch for high-pressure sales, out-of-state plates, large upfront deposits, and anyone who asks you to sign over your insurance claim. Mile High Dents has fixed hail damage for Denver drivers since the late 1980s. We are locally owned, we back our work with a warranty, and we serve Denver, Englewood, Littleton, Lakewood, Aurora, Centennial, Highlands Ranch, Arvada, and Westminster.
Frequently Asked Questions
Does filing a hail claim raise my insurance in Colorado?
Usually not the way an at-fault accident would. Hail is a no-fault, act-of-nature claim under comprehensive coverage, so it is treated differently from a collision you caused. Your own policy and claims history still apply, so confirm with your carrier before filing.
Will my car be totaled from hail damage?
Most hail damage is cosmetic and does not total a car. An insurer may declare a total loss if the repair estimate approaches your car’s actual cash value, and that call is made by your adjuster. Even then, Colorado exempts hail total-losses from salvage-title branding.
Does insurance cover hail damage?
Yes, if you carry comprehensive coverage. Comprehensive pays for hail, along with fire, theft, and vandalism, minus your deductible. A liability-only policy does not cover hail damage to your own car.
Do I have to pay my deductible for hail repair?
With a comprehensive claim, your deductible is the portion you are responsible for, usually 500 to 1,000 dollars. We give you a clear estimate up front and handle the claim and adjuster coordination so you know exactly what to expect.
How long does hail repair take in Denver?
Most paintless dent repairs are done in a few days, depending on how many dents there are. Lighter jobs can be finished as fast as 48 hours, and we give you a clear timeline at your free estimate.
Get Your Free Hail Damage Estimate Today
Ready to get your car back to normal? Get a free hail damage estimate from Mile High Dents today.
Call (720) 772-0133, or text us photos of your hail damage for a fast, no-pressure estimate. We handle the insurance company, so you do not have to. You can also start your claim here and we will take it from there.