Frequently Asked Questions
Have questions about hail damage repair, insurance claims, or our process? We’ve got you covered. Here are answers to the most common questions to help you feel confident every step of the way.
No. Insurance companies classify claims into two categories: (1) Collision, and (2) Comprehensive. Hail damage is a comprehensive claim and is considered an act of nature. Acts of nature will not increase your insurance rates.
NO! By law, the choice is yours. If you do choose their shop, you will pay your deductible. They are under contract and must charge you. Ham Auto Dents Plus is as reputable as any company they recommend – we just pass the savings on to you.
There is an “unrepaired damage waiver” in your insurance policy. The paid amount of your unrepaired hail damage will be deducted from any future claims on your vehicle. Although it’s tempting to keep the initial check, insurance companies commonly tend to underwrite their initial estimates, sometimes by half of the actual amount needed for repairs. If you decide to keep the money, you have settled your claim and not actually recouped the total value lost.
Insurance checks are normally good for 180 days. However, your estimate is based on current labor and part rates. Waiting will also increase your risk for “unrepaired damage” complications.
From start to finish, most repairs can be completed in as little as a week. Vehicles that require conventional repairs may require longer repair times depending on parts availability and body shop schedules. Insurance adjusters can also delay the process if they are overbooked and take longer than normal to approve supplements.
Yes. Many hail dents can be repaired using paintless dent repair (PDR). This technique removes dents from the inside of the panel without sanding or repainting, which helps preserve the vehicle’s factory finish and original value.
In most cases, your insurance covers hail damage. We also help with deductible assistance, so you may pay little to nothing out of pocket.
Yes—we handle the entire insurance process for you, from inspection to final approval, making everything simple and stress-free.
Yes, we offer a free loaner vehicle so you can stay on the road while your car is being repaired.
PDR is a specialized method that removes dents without sanding, fillers, or repainting—preserving your vehicle’s original factory finish.
We recommend scheduling a free inspection so we can give you a fast, accurate assessment and start the process right away.
Yes—if left unrepaired, hail damage can lower your vehicle’s resale value. Proper repair helps restore its appearance and value.
Yes, we handle everything from minor dings to heavy hail damage and full vehicle restoration.
No problem—we can step in at any stage and work directly with your insurance company to complete the repair process.
Yes, all of our repairs are backed by a lifetime warranty for your peace of mind.
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