How a hail claim runs with us
Seven steps. Three of them are yours.
Never filed a comprehensive claim before? That is completely fine. We have walked more than five thousand customers through this. Below is exactly what each step of the process looks like, what we handle on your behalf, and the three short moments where we will need something from you.
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You reach out
Phone or online form, about three minutes. We ask for your phone number, basic vehicle info, and your insurance carrier if you happen to know it. Whichever method you prefer.
About three minutes -
We respond within the hour
Sixty-minute callback during business hours. Monday through Friday, eight to six; Saturdays, nine to four. After hours, you will hear from us first thing the next morning.
A text reply -
Free LED line-board inspection
At your location or at our Olathe shop. We inspect every panel under LED line boards, count every dent, classify them by size and panel, and write the estimate in the CCC ONE format your insurer is already using to process claims.
Keys and access -
You file your claim — in about ten minutes
Carriers require the policyholder to file. So this one is yours — but we built carrier-specific filing playbooks with the exact phone number to call, the exact words to say, and a checklist of what to ask for. Pick your carrier, follow the steps, and you're done in about ten minutes. Once you have your claim number, text it to us and we take over the repair from there. Not sure where to start? Call us and we'll walk you through it step by step.
See the carrier filing playbooks → One call, we guide you -
We coordinate with your adjuster
We handle the back-and-forth with your adjuster. In person or over video, depending on your carrier. We submit the detailed supplement when the first estimate comes in low and work the approval through. This usually runs one to two business days per round, and sometimes takes two rounds.
Nothing needed here -
Free pick-up and repair
We collect your vehicle from anywhere in the KC metro. Your driveway, your office, your dealer lot, wherever makes sense. The actual repair takes one to three days for moderate damage and three to seven for severe. You get a text at each milestone, so you always know where things stand.
Nothing needed here -
Delivery back to you
Clean, inspected, and warrantied in writing for life. We deliver your vehicle back. In most cases your insurer has paid us directly for the repair, and the only thing owed at pickup is your comprehensive deductible. When deductible assistance applies, even that is already handled before you see the bill.
Pick up your car
Your total time involved
About fifteen minutes.
Three minutes on intake, one phone call, a handful of texts. Across the full two-to-four-week timeline, your active involvement adds up to roughly fifteen minutes. Everything else happens without you having to think about it.
Behind the scenes
What "we handle every step of the repair" actually looks like in practice.
What the customer experience feels like at each stage
From your side, most of this process is invisible — and that is by design. After your initial three-minute intake call and the ten-minute insurance filing, you go back to your normal life. We send text updates at each milestone: when the adjuster has been contacted, when the supplement is submitted, when the estimate is approved, when we are picking up your vehicle, and when the repair is complete. You are never left wondering what is happening or what comes next. If something needs your attention — a signature, a question from the adjuster, a scheduling preference — we reach out by text or phone, handle it in under five minutes, and move on.
How insurance coordination works during the process
The first estimate from your insurance carrier is almost always too low. This is not a complaint — it is how the system works. Adjusters typically inspect vehicles in open parking lots without specialized lighting, which means they miss 60-70% of the dents that LED line-board inspection reveals. Their initial estimate reflects only what they could see and count by eye. Our job at Step 5 is to submit a detailed supplement — a revised estimate in CCC ONE format that includes the full dent count, panel-by-panel mapping, and accurate paintless dent repair pricing for every dent the adjuster missed.
The supplement process runs one to two business days per round. We submit the supplement documentation to your adjuster electronically. They review it against industry pricing standards, and in most cases approve the revised amount within one to two business days. Occasionally a second round of documentation is needed — usually when the adjuster wants to see additional photos or when the damage includes aluminum panels that carry the 25% markup. Even with two rounds, the supplement process rarely extends past a week. You do not participate in any of this. We handle the back-and-forth, and you get a text when the final amount is approved.
What we mean when we say we handle every step of the repair
We coordinate the adjuster meeting, write and submit the supplement documentation, work through approval, schedule the pickup, arrange your rental if needed, perform the repair, run the final quality inspection, and deliver the vehicle back to you. The only things we cannot do on your behalf are file the initial First Notice of Loss with your carrier (that must come from the policyholder) and sign the work authorization (that is your signature). Everything else — every phone call to the insurance company about the repair, every email to the adjuster, every scheduling decision, every documentation requirement — runs through us. Over 5,000 vehicles and 23 years of doing this, Bryan has built a process where the customer's total involvement is measured in minutes, not hours.
Common questions about the process
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How long does the whole process take from start to finish?
The full process from first contact to keys back in your hand usually takes two to four weeks. About half of that time is spent waiting on insurance — first the initial estimate, then the supplement that usually needs to happen when the initial number comes in low. The actual repair takes one to three days for most vehicles, up to seven for severe damage. We send you updates at each milestone so you're not wondering where things stand.
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What do I actually have to do?
Three things, total. First, you call your insurance carrier to file the First Notice of Loss — that is something only the policyholder can do. Second, you sign a work authorization that lets us talk to your adjuster on your behalf. Third, you hand over your keys when we come to pick up the car. Everything else is on us.
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When do I pay, and how much?
Payment comes at pickup, after the repair is finished, and in most cases you pay nothing out of pocket. Your insurance company pays us directly for the repair work. The only amount that falls to you is your comprehensive deductible — and if you qualify for deductible assistance, that gets handled before you see the bill.