A simple overview for DFW drivers. This is general information (not legal or insurance advice) — your policy and carrier rules control the final outcome.
How hail claims typically work
Document damage: take photos of roof/hood/trunk and a few close-ups.
File the claim: your carrier schedules an inspection or asks for photos.
Estimate: you receive a repair estimate (sometimes with supplements later).
Repair: the shop repairs the vehicle and coordinates any supplemental items.
Deductible basics
Your deductible is usually tied to comprehensive coverage for hail.
Ask your carrier how payments are issued (direct to you vs to the shop).
Be cautious with “too good to be true” offers — the work quality matters long-term.
What to avoid
Waiting too long — hail damage can worsen (paint chips, rust risk, water intrusion).
Skipping the roof inspection — it’s often the most impacted panel.
Choosing purely on price — inspect warranty, process, and reputation.
What helps your estimate go faster
Vehicle info: year/make/model and where it was parked during the storm.
Photos: wide + close-up shots in angled sunlight.
Notes: prior damage/paintwork and any tight deadlines.