What To Do Right After a Hailstorm: 7 Steps That Save Time and Money

Posted February 1, 2026
Hailstorms are stressful — and the first 48 hours after the storm matter more than most people realize. The right steps can speed up your claim, protect your vehicle, and help you avoid unnecessary out-of-pocket costs.

Here’s the checklist we recommend.

1) Take wide and close-up photos immediately

Get:

• Roof, hood, trunk (wide shots)
• Close-ups showing dents + reflections
• Any cracked glass or trim damage

These help with documentation and can support supplements later if needed.

2) Don’t rush into the first appointment you find

After storms, everyone is booked. But “fast” isn’t always “best.” Look for:

• strong reviews
• written warranty
• specialists (hail/PDR focused)

3) File the claim (but don’t commit to a shop yet)

You can file a claim and still choose your repair facility later. If anyone pressures you into a decision, slow down.

4) Ask about deductible assistance and cash-back options

Many reputable hail shops offer deductible assistance or a cash-back option depending on your claim structure and state rules.

5) Schedule a professional hail inspection

A true hail inspection checks:

• panel counts (roof/hood/trunk)
• body lines
• edge damage
• hidden dents that don’t show in poor lighting

6) Understand “supplements”

Insurance estimates are often written quickly. A quality shop may submit supplements after teardown or better lighting inspection — that’s normal and often necessary.

7) Protect your spot early (storms fill calendars fast)

Even if you’re unsure, get an inspection so you’re not stuck waiting months.

FAQs

Can I choose my own shop?
Yes — you generally have the right to choose your repair facility.

Do I need multiple estimates?
Not always. Many insurers allow shop-written estimates after inspection.

Will hail repair raise my rates?
Often comprehensive claims don’t affect rates the same way collision claims do, but ask your carrier for specifics.