How the claims process works
To be clear: we do not file the claim for you — only you can open a claim on your own policy. But once it's open, we handle claims from start to finish. Most comprehensive policies cover insurance for hail damage in Andrews, TX, with no deductible. We document damage, submit authorizations, and bill insurers directly.
Call us first
Before filing, call (432) 888-1441 for a free inspection. We document the damage thoroughly.
You file the claim
You open the claim with your insurer (we don't file it for you). We'll walk you through exactly what to say and send.
We document & authorize
We document all damage, submit authorizations to your carrier, and meet with the adjuster on-site.
We bill insurance directly
We handle supplements and bill your insurer directly so you don't pay out of pocket beyond your deductible.
Coverage you should know about
Comprehensive coverage
Pays for hail, theft, vandalism, and weather damage. If you have it, you're typically covered for hail repairs.
Liability-only policies
Liability does not cover hail damage. We can still help with affordable cash-pay options.
Rental & loaner coverage
If your policy includes rental coverage, you're covered. If not, we have 20 loaner vehicles available.
Glass coverage
Many Texas policies include $0-deductible windshield replacement. We can coordinate this with your hail repair.
Common concerns
Will filing a hail claim raise my premium?+
Hail is a comprehensive claim, not at-fault. Most carriers do not raise rates for a single comprehensive claim, though policies vary.
What is my deductible and do I have to pay it?+
Your deductible is the amount you owe before insurance covers the rest. Depending on the claim and carrier, we may be able to help offset or cover it.
How long do I have to file a hail claim in Texas?+
Most policies allow 1 year from the date of loss, but you should file as soon as possible. We'll guide you through the timing.
What carriers do you work with?+
All of them — including State Farm, Allstate, Geico, Progressive, USAA, Farmers, Liberty Mutual, Nationwide, Travelers, and many regional carriers.
Do I have to use the shop my insurance recommends?+
No. Texas law guarantees your right to choose the repair facility. Insurance companies cannot require you to use a specific shop.