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Colorado Hail Storm History & Your Auto Insurance

Summer thunderstorms can bring hail stones with them, wreaking havoc on what lies below. Every year, insurance claims are filed for hail damage. Houses often need repairs to the roof and/or windows, crops can be ruined, tree branches fall and automobiles start looking like golf balls.

These scenes come by surprise in most places, or once in a blue moon. Colorado, however, is located in “hail alley”, an area of North America that frequently sees hail storms. This area stretches from Alberta, Canada in the north all the way to Texas in the south; stretching the width of at least two states across the Midwestern United States. 

Denver, Colorado Hail Storm Statistics

Tracking hail storms when you’re in the paintless dent repair industry is inevitable. Even if you don’t have a traveling team as we do at Capital Dent Masters, if you are able to fix auto body hail damage, you pay attention to the weather. Having a travel team allows us to assist body shops in other locations that don’t have enough technicians to keep up with the demand for damage. In this way, ensuring people hit hard by nature don’t have to wait to repair their vehicles. You can find one of the most trusted trackers in the industry and their review of Denver’s hail history here.

In the last 5 years, the Denver, CO area has averaged 15.8 storms per year. This average includes a (par with the course, if I may) crazy summer in 2020 where there were 0 hail storms. ZERO. Moving the average up one year makes it 19.6 hail storms per year. That math equals one hail storm about every 7 or 8 days. The previous smallest number in the last 17 years was in 2008 with only 3 reports of hail. Contrasted, in 2014 there were 34 reports of hail storms. The Farmers’ Almanac is calling for a “higher-than-normal thunderstorm activity” for the upcoming 2021 summer.

What Should I Do Before the Hail Season Arrives?

First, bookmark Capital Dent Masters so that if you or your vehicle gets caught in a hail storm, you know who to call (I’m all about having a plan of action)! Then, review your insurance policies.

Home insurance is not something I will speak about here. However, if you are a homeowner, I encourage you to ensure you are covered there as well. The key is ensuring you have coverage under the Act of God clause. Read more about the Act of God clause, what it means, and how it does not make your insurance premium go up!

For auto vehicle insurance, the clause you’re looking for is typically included under what’s called comprehensive insurance. Here is some information comparing rates across companies, in case you’re looking to update your policy. 

Once you are covered by your insurance policy, the only thing to do is pay attention to the weather. Even if you do your best to only park in covered areas and not go out if the forecasters are calling for thunderstorms, hailstones are often a surprise.

If you are driving and are suddenly caught in a hailstorm, pull over safely as soon as possible and follow government guidelines. Pulling over increases the chance that the damage done to your vehicle is repairable. When you continue to drive, the dents made from the hailstones are not direct, making them more difficult to repair with the paintless dent repair method. Note the date, time, and location of the storm as well.

Then, you just need to call Capital Dent Masters to make an appointment for your free estimate (or do it online!) and start your insurance claim. Our claims specialists can take it from there, finding the best way to make the process a stress-free experience. Thunderstorm and hailstone season is just around the corner, if not already here. Happy June!

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