Hail claims and your windshield

As many of our Colorado clients know, we had a major hail event on Monday, May 8th. With hail stones the size of golf balls, there was a tremendous amount of damage to homes, cars, businesses and even the backyard barbeque. This storm rolled across Golden, Lakewood, Wheat Ridge, Arvada and then eastward about 3:30 in the afternoon. The problem with the timing is that many of us were at work and our cars parked in wide open parking spaces instead of being tucked away in the garage. We have been speaking with a number of vendors that service this type of damage and found some pretty interesting information.

According to one local paintless dent repair facility, only 1 out of 5 cars damaged in this storm can be repaired using PDR techniques. The other 4? They are being declared total losses (YIKES! Look out auto insurance rates!). The other interesting fact, even to some of our staff, is that you might not want to get your windshield replaced until all of the dent work has been completed. Why? Often times, the dent work requires the removal of the windshield and/or other glass panels. If the glass was installed properly, removal often results in cracking and breaking. Then the repair facility has to replace the damaged glass and the insurance company is on the hook for a second piece of glass.

So the short story is, if there is not a major safety concern, the insurance adjusters are directing clients to wait to have new glass installed until after the rest of the repairs have been completed. Makes sense to this writer! Check with your claim adjuster for their recommendation and opinion. The million dollar question, “What is all of this hail going to do to our auto insurance rates?” You can call our office to discuss the future of the rates, what impacts them and how you can help to control your insurance premiums.