Claims Accelerator
Hail insurance claims, explained
Most people file one hail claim in their life, and the process is opaque the first time. Here is how it actually works in Texas, what your deductible means in practice, and when filing is worth doing at all. We work with all major carriers and handle the adjuster from filing through completion.
The process
How a claim runs
01
Get the damage assessed first
Before you call anyone, find out what the repair actually costs. If it comes in under your deductible, filing gains you nothing. Our estimate is free and takes minutes.
02
You open the claim
The policyholder has to open it. Call your carrier or use their app. You will need the date of the storm, which is why filing soon after matters.
03
We deal with the adjuster
From that point we supply the documentation, meet the adjuster, and make the case for what the vehicle needs. You do not have to mediate between us.
04
Supplements if the first estimate is short
First estimates frequently miss dents, particularly on a roof. When that happens we file a supplement rather than cutting corners on the repair.
05
Repair, then return
The vehicle is repaired without repainting, detailed, and inspected with you before anything is signed.
Questions
What people ask us
Will a hail claim raise my premium?
Hail is a comprehensive claim, not a collision claim, because nobody was at fault. Most carriers treat comprehensive claims differently from at-fault claims. Your policy is yours though, so confirm it with your agent before you file. We can tell you what we see, not what your carrier will decide.
What does my deductible actually mean here?
It is the amount you pay before the policy pays anything. If the repair costs less than your deductible, filing gains you nothing, since you would be paying that amount yourself either way. If it costs substantially more than your deductible, filing clearly makes sense. We quote the repair free so you can compare real numbers for your own vehicle instead of guessing.
How long do I have to file after a storm?
Texas policies generally allow a window measured in years, but it gets harder in practice the longer you wait, because you have to establish which storm caused the damage. File while the date is not in question.
Can I choose my own repair shop?
In Texas, yes. Your carrier may recommend a shop, but the choice is yours. A recommendation is not a requirement.
What if my vehicle is declared a total loss?
It happens when a traditional body shop estimate exceeds a percentage of the vehicle's value. Paintless repair often comes in low enough to avoid that outcome entirely, because there is no refinishing. It is worth getting a paintless estimate before accepting a total.
Not sure whether to file?
Get the repair quoted first. It is free, and it is the only way to compare against your deductible with a real number.