Cost for hail damage car repair

Many homeowners are prone to ask, "What does it cost, on average, to repair the damage done by a hail storm?" The question is important, and hail damage repairs can often cost thousands of dollars, depending on the size of the hail, the impact angle and force, and the duration of the storm.

The truth is, however, that hail damage varies widely in total cost and falls into three major categories: roof damage, pavement damage, and vehicle damage. Siding, fences, and decking can also potentially suffer harm from hail impacts, but we should focus here on "the big three" that we have identified.

Hail Damage to Roofing
Being more exposed to the weather than any other part of the house, roofs take the brunt of every hailstorm. Asphalt shingles, while the most common and among the cheapest forms of roof material, are prone to severe damage by hail stones, given the right conditions.

Oftentimes, hail will leave circular dents, dings, and cracks predominantly only on one side/section of a roof or scattered here and there throughout. This makes it possible to usually replace only a portion of the shingles, but untouched shingles adjacent to damaged ones will have to be taken up and put back down during the repair process, which adds to labor costs. You can easily expect a few hundred to a few thousand dollars of damage in these partial replacement jobs.

When the damage is severe and widespread enough to call for total roof replacement, you could be looking at a $10,000 to $20,000 (approximately $13,440 to $26,880 CAD) bill. Luckily, homeowners' insurance will typically cover this expense, and you will only have to pay the deductible and any peripheral expenses like replacing pieces of rotted-out roof decking. However, insurance companies will withhold the "depreciation" value, meaning the difference between the value of a brand new roof and the value of your not-brand-new roof. If your roof is, say, 10 years old, expect $3,000 to $5,000 (approximately $4,032 to $6,720 CAD) to come off. Many insurers will "refund" the depreciation sum directly to the contractor after the new roof is on, but it won't be in your initial cash claim.

Finally, note that, whether replacement is total or partial, you can expect to pay $400 to $700 (approximately $537 to $940 CAD) per "square" (100 square foot roofing section). This includes material, labor, underlayment, flashing, and everything. The total cost is around $4,000 to $5,000 (approximately $5,376 to $6,720 CAD) on an average-sized roof, but this does not include extra for tearing off the existing roofing.

Hail Damage to Driveways
Concrete pavement should not be significantly damaged by hail, unless it was improperly installed to begin with, but asphalt driveways are often victimized by hail stones. Even basic homeowner's insurance, however, usually covers hail damage to asphalt surfaces, so long as the insurer's assessor agrees it really was hail that did the damage.

In mild cases, you can probably just patch up any dimples and reseal the surface, which ought to be done every 3 to 5 years anyway to strengthen the surface and keep it from getting too brittle in cold weather. This may not even cost $100 (approximately $134 CAD).

The next level is to have your asphalt resurfaced, which averages around $1.50 to $2.50 per square foot (approximately $21.69 to $36.15 CAD per square meter). It can be done in a single day, and would cost $750 to $1,250 (approximately $1,008 to $1,680 CAD) on a 500-square-foot (46.45 m2) drive.

If the hail damage has weakened the underlying structure enough to merit removal and replacement, you will be looking at about $3 to $4 per square foot (approximately $43.39 to $57.85 CAD per square meter). That's $1,500 to $2,000 (approximately $2,016 to $2,688 CAD) to replace 500 square feet (46.45 m2) of pavement.

Keep in mind that the real costs will vary greatly based on local pricing, size of driveway, and how "high-end" you choose to go.

Hail Damage to Automobiles
Often overlooked is the cost of hail damage to vehicles, but the total price tag can be quite significant. It is common to see prices of at least $30 (approximately $40 CAD) per hail impact for PDR (paintless dent repair) of even the smallest hail dents. Medium-sized dents may cost $50 (approximately $67 CAD) to remove, and large dents can cost up to $80 (approximately $107 CAD) per dent.

If the dents are in hard to work on areas like the car's roof, the cost goes up. Finally, broken windshields average about $300 (approximately $403 CAD) to replace.

If you have comprehensive auto insurance (often the case when you have not yet paid off the car loan), hail damage will be covered.

Hail damage costs homeowners millions of dollars in damage every single year in the U.S. While it often cannot be prevented, there are ways to minimize, and homeowner's and comprehensive auto insurance policies will cover it. Knowing the potential costs of hail damage ahead of time will help motivate to guard and insure against it so you are not caught unprepared should a major hail storm hit your home.
When vehicles endure hail damage, many car owners call the nearest auto body shop and ask for a quote on repair services. And while many shops will spit out an estimate off the top of their head, or divvy out the details on their tiered pricing plans, it should be noted that accurately quoting hail damage repair can only take place when an auto repair specialist actually sees the damage himself.

The size of the dents, their location and how deep they are will largely influence the cost of hail damage repair. For those who are in need of auto body services, it’s imperative to find a shop that steers clear of tiered pricing plans. With this type of pricing schedule, car owners tend to find themselves being overly charged for the services that they acquire, and in some instances, shoddy work will be performed because too low of a tiered pricing option was chosen.

Here are a few tidbits of information that all car owners need to know about hail damage repair services.

Making a claim with the insurance company
If a car owner doesn’t have full coverage or comprehensive insurance, then hail damage won’t be covered. Hail damage itself is categorized as a comprehensive claim, so in the least, a person will need a liability/comprehensive policy. Fortunately, making a claim under one’s comprehensive coverage for hail damage repair won’t likely affect the person’s insurance rates; however, filing a claim every year might.

Minimizing hail damage
To ensure the costs of hail damage repair services stay to a minimum, it’s pertinent to park a vehicle under a covered shelter, such as in a garage, when at home. Then again, hail damage can occur any time of day or night, so being parked in a garage isn’t always feasible. If a driver finds himself driving when a hail storm hits, the car should be pulled into an area with covered parking, such as under an overpass.

Minimizing hail damage not only lessens the amount of an insurance claim, but in the event that a person doesn’t have comprehensive coverage, the repair expenses won’t dig so deep into the car owner’s wallet.

Documenting the damage
After a hail storm takes place, car owners should thoroughly inspect their cars, documenting any damage. By having documentation, preferably pictures, of the damage, this will help win any disputes that the insurance company might try to start. Once the car owner has documented the damage, it’s imperative to contact the insurance company promptly; this helps to speed up the claim process, which means hail damage repair services can be gained sooner rather than later.

Cost of hail damage
Paying for repair services will vary from one car to the next, and the extensiveness of the damage will of course directly affect the total cost. Most dents cost anywhere from $50 to $125 to have fixed. And being that hail damage will oftentimes result in both large and small scratches on a car, additional repair services will likely be needed.

Filing a claim or paying out of pocket
For some car owners, paying for hail damage repair services out of pocket will be much more advantageous than filing an insurance claim, especially for those who have made recent claims within the past year. If the associated costs exceed $5,000, it’s usually best to make a claim, and this particularly applies to those who have a high deductible.

Types of hail damage repair
There are two basic types of hail damage repair services; Paintless Dental Removal and the traditional method. The latter tends to take much longer to perform, while Paintless Dent Removal will help preserve the factory finish on a car.

The total cost of repairing hail damage is dependent on many factors — severity of damage, insurance coverage, repair method used — and the only way to know how much it will cost to have the damage repaired is by letting an auto body professional look at the car and give a quote.