How to File Your Insurance Claim the Right Way This Summer

Hailstorms can hit hard during a Colorado summer, leaving your vehicle with dents and damage. But filing a hail damage insurance claim doesn’t have to be stressful. With Hail Medic‘s expert paintless dent repair (PDR) services, you can get your car restored quickly, affordably, and with less hassle.

Step 1: Assess the Damage After the Storm

After the hail passes, carefully inspect your vehicle. Hail dents can be hard to spot, especially on lighter-colored cars or roofs. If you're unsure whether hail damage is present, Hail Medic offers free inspections at our Denver-area location.

Step 2: Review Your Insurance Coverage

Many Colorado drivers carry comprehensive coverage, which typically includes hail damage. Still, it’s important to understand your policy details:

• Deductible: Know what amount you’ll pay out-of-pocket

• Repair Shop Selection: You have the right to select your preferred shop, not just the one your insurer recommends

• Claim Filing Window: Don’t wait. Some policies require claims to be filed within a set number of days after a storm

If you're unsure where to start, our team at Hail Medic is happy to guide you through the basics.

Step 3: File Your Insurance Claim

Once you’ve gathered your photos and reviewed your policy, it’s time to contact your insurance company. Most providers allow you to file online, through an app, or by phone. Be ready to provide:

• Date and time of the hailstorm

• Photos of the damage

• The location where your vehicle was during the storm

After filing, your insurer may schedule a damage inspection, or you can request that they review a repair estimate from your chosen shop. That’s where Hail Medic comes in.

Step 4: Schedule Your Free Estimate with Hail Medic

At Hail Medic, we work directly with your insurance company to make the claim process smoother for you. Our Denver-based team specializes in PDR—a fast, eco-friendly, and cost-effective method that restores your vehicle without affecting factory paint.

Why Colorado drivers choose Hail Medic

• Free hail damage inspections and estimates

• Zero out-of-pocket in most cases

• We handle the paperwork and communication with your insurer

• Quick turnaround with expert repairs

• Locally trusted and highly rated

Don’t Wait—Storm Season Is Just Getting Started

Hail season in Colorado typically peaks in June and July. The sooner you file your claim and get an estimate, the better your chances of a fast approval and repair.

Ready to get started?

Call Hail Medic today for a free hail damage estimate, and let us assist you in navigating the insurance claim process with confidence. Our expert team will take care of everything, so you can get back on the road without dents. Contact us at (720) 609-2976 to schedule your inspection.


Dilmore, John. “Does Car Insurance Cover Hail Damage?” U.S. News & World Report (blog), July 1, 2025. U.S. News & World Report L.P. https://www.usnews.com/insurance/auto/does-car-insurance-cover-hail-damage#:~:text=Key%20Takeaways,cover%20damage%20caused%20by%20hail