Should I file a claim for hail damage?
From Ms. Vegetable – before sending in an insurance claim, talk to your agent (if you have one) – he/she should know how it will affect your rates. For instance, some insurance companies can and do increase rates for not-at-fault comprehensive claims (which this would be). There may be a threshold for what the insurance company has to pay out before it impacts your premium, too. Texas may have specifics about these types of claims; the department of insurance would know that (as I do not).
When I lived in Orlando (long ago) there was a huge hailstorm and a lot of the insurance companies set up easy-claim/drive-thru claim stations, and had mobile repair companies doing the work. It was basically $100 to fix all the dents as long as they were paintless fixable. Call them and see what’s up, if it was bad enough they’ve probably already contracted out to some repair stations.
