What we handle for you
- Inspection and estimate. Every panel under reflection lights, written as a dent-matrix estimate your insurer recognizes.
- Adjuster coordination. We send photos and the estimate, and meet with the adjuster if needed.
- Supplements. If more damage turns up once work starts, we document it and file for the difference.
- Final paperwork. Invoice and photos for your file and your insurer’s.
Your rights in Kansas and Missouri
- You choose the shop. Your insurer can recommend a shop, but it can’t require you to use one.
- You get a written estimate. Don’t let anyone start work without an itemized estimate.
- We’re your advocate. It’s our job to get you the result you want — without the hassle or headaches.
Deductible math, worked through
Say your hail repair is approved at $3,800 and your comprehensive deductible is $500.
| Amount | |
|---|---|
| Approved repair | $3,800 |
| Your deductible (you pay) | $500 |
| Insurer pays | $3,300 |
If we find more damage once the work starts — a dent hidden under a roof rail, say — we file a supplement. The insurer pays the additional amount. Your deductible doesn’t change.
Will my rates go up?
Weather claims under comprehensive coverage are generally treated differently from at-fault accidents. That said, every insurer sets its own rules. If you’re concerned, ask your agent before you file.
What repairs cost
The six things that move the price
| Factor | Why it matters |
|---|---|
| Size | Larger dents take more pushes to bring up evenly. |
| Depth | Deep dents stretch the metal; restoring them takes more time. |
| Location | Body lines, edges, and double-walled areas are harder to reach and shape. |
| Panel | Roofs and roof rails may need the headliner dropped for access. |
| Material | Aluminum is stiffer and less forgiving than steel. |
| Access | Removing tail lamps, trim, or interior panels adds labor. |
How hail is priced
Hail is priced per panel with a dent matrix: the number of dents on the panel and their average size set the base price, then add-ons cover aluminum, oversized dents, and parts removal. Insurers use the same system, which is why hail estimates from reputable shops tend to line up with adjusters’ numbers.
Get your exact number
Ranges are a starting point. Send us photos and a technician will reply with a price for your car.
