Dents By Hand

Learn why your hail damage claim may need a supplement and how Dents By Hand ensures every dent is covered in Boulder and Denver.

Why Your Hail Damage Claim May Need a Supplement

The need for an auto insurance supplement actually begins when an insurance adjuster inspects it and then provides their initial estimate. Typically, they perform this inspection outside in bright sunlight, without using PDR lighting. Although they might employ a lined shade device, it often reveals only the most obvious dents. Afterward, the adjuster explains that if you take your vehicle to a shop and additional damage emerges, the insurance company will cover the extra costs when the shop requests a supplement.
Here’s why supplements are needed—and how we help.

What Is a Supplemental Claim?

The auto insurance supplemental asks your insurance company for more funds when the initial estimate misses damage or underestimates repair costs. Hail damage claims frequently need supplements because hail dents are hard to spot without the right lighting. Our expert evaluations at Dents By Hand uncover every dent, ensuring your claim reflects the full repair needed, at no extra cost to you.

Why Supplements Are Needed for Hail Damage

Hail damage can be deceptive as bright lights tend to wash out the finer reflections that allow you to actually see them, especially on light colored vehicles. Insurance adjusters, often working quickly at Catastrophe (CAT) sites, or going from one appointment to the next, may miss many of these dents, leading to low estimates. Insurance companies also know that about 60% of their initial claims result in cash-outs that don’t get repaired. Other reasons supplements are common include:

• Rushed Inspections: Adjusters under time pressure overlook dents, especially in bright sunlight where hail damage is less visible.
• Subtle Damage: Damaged trim is often overlooked and small dents on panels may not be so obvious without proper lighting. 
• Complex Repairs: Some panels, like those on EVs or luxury vehicles such as aluminum, require specialized techniques, increasing costs beyond initial estimates.

At Dents By Hand, our thorough inspections ensure no damage is missed, making supplements straightforward and effective. Article on the Truth about Insurance Claims.

How Dents By Hand Supports Your Supplemental Claim

Our Hail Repair Plan, ensures your claim covers every repair with detailed support:

• Free Hail Evaluations: We use advanced reflective LED lighting to spot every dent, far beyond what CAT site inspections catch.
• Quality Documentation: We provide high-quality photographs showing larger dents, panel counts, and notes on limited access or unique panels, plus a computer-generated Pre-Scan of your vehicle’s computer.
• Removal and Installation (R&I): We request R&I for items like tail lamps or interior panels to access hidden damage, ensuring thorough repairs.
• Precise Supplement Submission: We write our Estimates in CCC which is the same software that insurance companies use. This provides consistent and aligned price quotes which makes the approval process more efficient. 
• We can use our Light Tunnel as a Virtual Estimating platform for live video inspections with adjusters. 

Why Trust Dents By Hand?

Unlike storm chasers offering quick, unreliable fixes after hail storms, Dents By Hand is a trusted, local shop at 6270 Arapahoe Road in Boulder, CO, serving Denver, Broomfield, and beyond. Our EV-certified team excels with high-end vehicles, delivering seamless repairs that clients love. With the Hand family’s legacy since 1996, we give your supplemental claim gets you the full repair your vehicle deserves.