HOW TO FILE A HAIL DAMAGE INSURANCE CLAIM IN TEXAS

Every year, Houston drivers deal with hail storms that leave their vehicles covered in dents. If you have comprehensive auto insurance, hail damage repair is almost always covered — and in most cases you pay nothing out of pocket beyond your standard deductible.

Understanding Your Coverage

Hail damage is covered under the comprehensive portion of your auto insurance policy — not collision coverage. Comprehensive claims typically don't affect your insurance premiums since hail is an "act of nature."

Step-by-Step: Filing Your Hail Claim in Texas

Step 1 — Document the Damage

Before filing, photograph the damage thoroughly on every panel. These photos are your documentation in case of any dispute.

Step 2 — File Your Claim

Call your insurance company or file online. You'll need your policy number, the date of the hail event, and where your vehicle was parked. Pro PDR works with State Farm, Allstate, USAA, Farmers, Progressive, Geico, Nationwide, and all others.

Step 3 — Schedule the Inspection

Your insurer will send an adjuster to inspect your vehicle. This step is critical. Pro PDR attends the adjuster inspection on your behalf and ensures every dent is documented and properly priced.

Step 4 — Review and Approve the Estimate

Your insurer will send an approved repair estimate. If it seems low or panels are missing, Pro PDR can file a supplement. You are not required to use your insurance company's preferred vendors.

Step 5 — Schedule Your Repair

Once approved, Pro PDR coordinates your rental at Enterprise, completes the repairs, and delivers your vehicle — all backed by our lifetime warranty.

Your Rights as a Texas Policyholder

• You have the right to choose any licensed repair facility
• Your insurer must respond to your claim promptly
• You can dispute an underpaid claim and request a re-inspection
• A PDR shop can file supplements on your behalf