July 9, 2025 · 7 min read
Filing a Hail Insurance Claim in Texas: A Step-by-Step Walkthrough
Exactly how to file a hail damage claim with your Texas insurance company — what to say, what to avoid, and how Hail Repair Pro Midland handles the paperwork.
Filing a hail claim in Texas is easier than most people think — but a few small mistakes can cost you thousands. Follow this walkthrough.
Step 1 — Confirm you have comprehensive coverage
Pull up your policy’s declarations page. Look for ‘Comprehensive’ or ‘Other Than Collision’ — that’s the coverage that pays for hail. Liability-only policies do not.
Step 2 — Get a free shop inspection FIRST
Before you call your insurer, bring the vehicle to a trusted local shop (like ours). We’ll document every dent so you know what your claim is actually worth.
Step 3 — Call your insurer and file
Be straightforward: ‘I have hail damage from the [date] storm and want to file a comprehensive claim.’ Don’t speculate about cost. Don’t accept the first cash settlement offer.
Need help right now?
We start your hail or collision claim — free.
We cover your deductible up to $1,000. We document the damage, work directly with your insurer, and put you in a free loaner the same day.
Step 4 — Choose your shop (Texas law protects this)
Texas Insurance Code §1952.301 guarantees your right to choose your repair facility. You are not required to use a ‘preferred’ or ‘direct repair’ shop.
Step 5 — Let your shop handle the supplement
Adjusters frequently miss damage on the first inspection. A reputable shop will write a supplement and get it approved before final repair. Hail Repair Pro Midland handles supplements on every claim — at no cost to you.
Common mistakes to avoid
- Cashing the insurance check before getting a shop estimate
- Letting the storm-chaser tents handle your claim
- Waiting more than a year to file (Texas claim windows close)
- Skipping PDR in favor of a full repaint when paint is intact
Ready to start your claim?
Family-operated in Midland, TX — our family has been doing auto hail repair and paint & body work since 2004. Free inspections, lifetime warranty, and 20 free loaner vehicles. Serving Midland, Odessa, Andrews, Big Spring & the Permian Basin.
Hail Hit Your Vehicle? Don’t Wait.
Free inspections. Free rental from our fleet. Returned fully detailed — good as new.
Keep reading
Hail Damage Repair Cost in Midland, TX (2025 Guide)
How much does hail damage repair cost in Midland, TX? Real numbers, what insurance covers, and how Hail Repair Pro covers your deductible up to $1,000.
Does Texas Insurance Cover Hail Damage? Everything You Need to Know
How Texas auto insurance handles hail damage claims, what comprehensive coverage means, and your right to choose your own repair shop.