If a Denver hailstorm just pelted your car, the last thing you want is a drawn-out insurance call and confusing paperwork. We get it. At Rocky Mountain Dent Service, we work directly with your insurance company so you don’t have to wrestle with the process. From the first photo to the final payment, we coordinate claims, advocate for proper repairs, and keep you posted. Most of our Denver customers pay zero out of pocket because we typically cover your deductible, and we can set up a rental so you stay mobile in Aurora, Centennial, and all across the metro.
Key Takeaways
- Rocky Mountain Dent Service works directly with your insurance company from first photos to final payment, eliminating long calls and confusing paperwork.
- Hail damage is typically covered under comprehensive insurance, and we use insurer-approved PDR with OEM procedures to speed accurate approvals.
- Rocky Mountain Dent Service usually covers your deductible, so most Denver customers pay $0 out of pocket, and we can arrange a rental if needed.
- We manage adjuster meetings, supplements, and CCC/Mitchell uploads while honoring your right to choose a non-DRP shop.
- You can expect a clear timeline, direct billing to your carrier, and a lifetime PDR warranty once repairs are complete.
What Insurance Typically Covers For Dent And Hail Repair
Weather in the Front Range has a mind of its own. The upside is that hail damage is usually covered under the comprehensive part of your policy. That includes the small peppered dents across your hood, roof, and trunk, and often glass and trim that get caught in the storm.
Comprehensive Vs. Collision Claims
Comprehensive covers hail, falling branches, theft, and other non-collision events. Collision applies when you hit another car or object. Hail is almost always a comprehensive claim, which is why many Denver drivers don’t see a surcharge tied to the event itself. Your individual policy and claim history can influence premiums, but a single weather claim is generally treated differently than an at-fault accident.
PDR Coverage And OEM Procedures
Paintless dent repair, or PDR, is recognized by all major insurers and is our preferred approach for hail because it protects your factory paint and warranty whenever possible. We follow OEM repair procedures and identify panels where PDR is correct and where conventional methods or calibrations may be required. Insurers in Colorado approve PDR every day for hail, and we document each repair point so adjusters can sign off quickly.
Deductibles, Betterment, And Surcharges
With comprehensive claims, your deductible applies. Here’s the good news for our neighbors in Denver, Aurora, and Centennial: when you choose Rocky Mountain Dent Service, we typically cover your deductible, so most customers have no out-of-pocket expense. Insurers don’t apply “betterment” on hail dents, and weather claims often don’t trigger a surcharge by themselves. We’ll walk you through the details specific to your carrier and policy.
Step-By-Step Claims Process We Follow
We’ve handled Colorado hail claims since 1998. Our process is predictable, thorough, and built to save you time.
Initial Assessment And Photo Documentation
We start with an in-shop or on-site inspection anywhere in the Denver metro. If you prefer, text or email photos and we’ll provide a ballpark estimate. For formal claims, we create high-resolution photo sets, panel maps, and a line-by-line estimate that matches insurance formats.
Filing Or Initiating Your Claim
If you haven’t opened a claim yet, we can help you call it in or file online. We provide the loss details, dates, and supporting photos, then coordinate the adjuster appointment at our Denver facility or a mobile location in Aurora or Centennial.
Meeting The Adjuster And Writing A Repair Plan
We meet the adjuster on your behalf, review each panel under proper lighting, and align on a repair plan. If they miss items, we point them out. Our goal is an accurate first approval so your paintless hail dent repair in Denver gets moving without delays.
Supplements For Hidden Damage
Once the headliner is down or trim is off, we might uncover additional dents or broken clips. We submit a supplement with photos and OEM references. Insurers expect this on hail jobs, and we handle the back-and-forth.
Final Billing And Warranty
When the work is complete, we bill your carrier directly. You get your car back with a lifetime warranty on our PDR for as long as you own the vehicle, and a clean file of before-and-after photos.
Coordinating Directly With Your Carrier
You don’t need to chase approvals or sit on hold. We stay in lockstep with your adjuster from day one.
DRP Vs. Independent Shop, Your Right To Choose
Some insurers suggest a DRP shop. Colorado law allows you to choose any qualified repair facility. Rocky Mountain Dent Service is an independent shop, and we work with every major carrier. If your insurer recommends one of their partners, that’s fine, but you’re free to bring your vehicle to us.
Approvals, Assignments, And Uploads
We manage claim numbers, photo uploads, and all assignment communications. If your insurer uses a portal, we handle it. If they prefer email, we handle that too. Our team keeps records tidy so approvals don’t stall.
Using CCC/Mitchell Estimating And OEM Access
We write estimates in CCC and Mitchell, the same systems insurers use. We also reference OEM procedures for access, calibrations, and any non-PDR operations. That transparency speeds approvals and protects quality.
Handling Deductibles, Payments, And Rental Cars
Our goal is simple. Make your Denver hail repair easy and affordable.
Deductible Options And Timing
With comprehensive hail claims, we typically cover your deductible when you choose us for repairs. We confirm that upfront so you know your expected out-of-pocket before we start. In most cases, it’s zero.
Third-Party Payments And Lienholder Checks
If your vehicle is financed, the insurance check may include your lienholder. We help coordinate endorsements and timing so the repair isn’t delayed. If a third party is paying, we align the paperwork and keep you in the loop.
Rental And Alternate Transportation
Most carriers offer rental coverage. If yours does, we help schedule a rental for the repair period and coordinate billing. If not, ask us about courtesy options. We want you back on the road while we tackle the dents.
Timelines And What To Expect During Repair
Hail jobs move fast when everything is lined up. Here’s how it usually plays out in Denver.
Typical Hail Claim Timeline
- Day 1 to 2: Inspection, photos, and claim initiation
- Day 2 to 5: Adjuster meeting and initial approval
- Day 3 to 10: PDR and any part orders or calibrations
- Day 7 to 14: Supplements approved, final reassembly, detail, and delivery
Actual timing depends on storm volume and parts availability, but we keep the pace up and communicate at each step.
Parts, Paintless Dent Repair, And Calibration Scheduling
Most hail jobs are pure PDR. If glass, moldings, or trim need replacement, we source OEM-quality parts. Any required ADAS or sunroof calibrations get scheduled with trusted partners so your vehicle’s systems are ready for I-25 and E-470 again.
Communication Milestones
You’ll hear from us at key points: estimate submitted, approval received, mid-repair update, supplement submitted or approved, and ready-for-pickup notice. Prefer text updates? Say the word.
Special Cases And Common Pitfalls
We’ve seen just about everything after spring and summer hail in the Denver area. A few situations need extra care.
Prior Damage Or Aftermarket Parts
Old door dings, prior repaints, or aftermarket hoods can limit PDR or change how panels are accessed. We call this out early and show you options. Our estimates reflect what will deliver a clean, durable result.
Total Loss Thresholds For Hail
If damage approaches the vehicle’s value, your insurer may total the car. We help you understand the numbers, compare repair vs. settlement, and document anything that impacts value.
Out-Of-State Claims And Catastrophe Teams
During big storms, insurers bring in catastrophe teams. We work with them daily and keep documentation neat so your file moves even when adjusters rotate or work remotely.
Conclusion
If you need paintless dent repair in Denver, we’re ready to help. Rocky Mountain Dent Service has served the metro since 1998, with thousands of successful hail repairs across Denver, Aurora, and Centennial. We coordinate every step with your insurance company, use PDR to preserve your paint whenever possible, and back our work with a lifetime warranty for as long as you own the vehicle.
Here’s what you can expect when you call us:
- Clear, fast estimate and photo documentation
- Help filing or managing your claim
- Deductible typically covered, so zero out of pocket
- Rental coordination and direct billing to your carrier
- Friendly updates from start to finish
Need an inspection today? Contact Rocky Mountain Dent Service to schedule an on-site or in-shop estimate, or send us photos for a quick read. We’ll make the insurance piece easy and get your vehicle back to pre-storm condition, the right way.
Insurance & Hail Repair FAQs
How does Rocky Mountain Dent Service work with my insurance company?
We handle the claim from first photos to final payment. Our team documents damage, helps file or initiate your claim, meets the adjuster, writes a repair plan in CCC/Mitchell, submits supplements for hidden damage, and bills your carrier directly. You get steady updates and a lifetime PDR warranty upon delivery.
Will my deductible be covered, or do I have out-of-pocket costs for hail repair?
With comprehensive hail claims, Rocky Mountain Dent Service typically covers your deductible when we perform the repairs, so most Denver customers pay zero out of pocket. We confirm this upfront and coordinate any lienholder endorsements or third‑party payments to keep the repair moving without delays.
Is hail damage a comprehensive claim, and will it raise my premium?
Hail damage is almost always filed under comprehensive coverage, not collision. Many insurers don’t surcharge for weather-only claims, though your overall policy and claim history can affect premiums. We’ll explain how your carrier treats comprehensive hail claims and document everything to support an accurate, fair approval.
What is paintless dent repair (PDR), and do insurers approve it in Colorado?
PDR restores panels by massaging dents from behind, preserving factory paint and often your OEM warranty. Insurers in Colorado routinely approve PDR for hail. We follow OEM procedures, identify any areas needing conventional repair or calibrations, and provide photo maps so adjusters can sign off quickly.
Do I have to use my insurer’s DRP shop, or can I choose Rocky Mountain Dent Service?
You can choose any qualified repair facility. While some insurers recommend a Direct Repair Program (DRP) partner, Colorado law protects your right to select a shop. Rocky Mountain Dent Service is independent and works with every major carrier while managing approvals, assignments, and uploads on your behalf.
How long do I have to file a hail claim in Colorado, and what helps approval?
Deadlines are set by your policy—many carriers allow 6–12 months, but filing promptly improves outcomes. Document damage with clear photos in good lighting, note the loss date and storm location, and keep any glass or trim debris. We create insurer-formatted estimates and photo sets that speed approvals for hail dent repair in Denver.