Hail Damage Insurance Claim Guide (South Dakota)

After a Sioux Falls hail storm, the insurance part can feel overwhelming. Here is the simple version.

1. File a comprehensive claim

Hail is covered under the comprehensive part of your auto policy. Call your insurer, file a comprehensive claim, and get your claim number. Text it to Lou.

Will it raise my rates?

Hail is treated as an act of nature. By law, insurers usually cannot raise your own rates for a comprehensive claim, unlike an at-fault accident.

2. You pick the shop

You get to choose who fixes your car. That is the law. You do not have to use the insurer's preferred shop.

3. We handle the rest

Lou maps every dent under special lights, sends a full estimate and supplement to your adjuster so all the real damage is covered, and can help line up a rental. Most hail repairs take days, not the months a body shop needs. See our hail damage page for the full rundown.