Have a Technician Handy: Hail Is More Common than You Think
Colorado is one of the most geographically diverse states in the country, with the largest portion of the Rocky Mountains along its western side and the Great Plains to the east. Most people know that Colorado is one of the top places for skiing in the United States. But did you know that it was one of the states that suffered the most damage from hail as well? So Colorado residents, especially in its capital city, should be aware of where to seek hail damage repair in Denver.
Hail Season in Colorado
There is actually an official hail season in Colorado that extends from April to August with the most severe storms generally occurring in May, June, and July. During hail storm warnings, residents are generally encouraged to remain indoors to prevent injury form hailstones. Hail causes millions of dollars of damage to property per year in the Denver area alone. It is no wonder that many insurance companies offer policies against damage from hail. And there are also companies that specialize in hail damage repair in Denver.
Insurance Coverage against Hail
The first thing you need to know is that hail damage is considered a natural disaster by most insurance companies, and as such, does not cause insurance rates to go up. However, hail damage falls under the comprehensive portion of insurance, not collision. Therefore, if you live in areas susceptible to hailstorms (or other natural disasters), it is best to get full coverage for your vehicle to protect you from liability. In the event that your property is damaged, it is best to report the damage as soon as possible.
Keeping the Claim versus Cashing It In
Hail damage is an extremely common occurrence in hail prone areas. Many people opt not to repair their cars after hail damage. However, some people still file the claim to their insurance company. There are advantages and disadvantages to cashing in a claim. The obvious advantage is that you will have extra money in your pocket. The disadvantage of cashing in a claim is that the insurance company may give a lower estimate than the actual cost of the repair. Another disadvantage of cashing in is that if future damage occurs for which you need a claim, the costs of the initial damage will not be included and can many times affect the amount of the current claim. Keeping a hail claim and getting the hail damage repair in Denver can save you money in the long run and maintain your vehicle’s life longer.
Make sure you seek hail damage repair in Denver. Since hail damage is such a common occurrence in many states for such a long period of time, getting hail damage repair in Denver can be an effective cost saver.