Avoid parking beneath large trees or metal awnings with rusted bolts, as falling limbs or collapsing roofs can compound damage. If you must leave a car outside at work, choose the lee side of a sturdy building so the structure absorbs the brunt of wind-driven stones. A few extra steps beat extensive body shop downtime later.

Auto insurance provides the financial backstop for hail, yet many drivers learn too late that their comprehensive deductible jumped at renewal. Review your policy before clouds gather. If you can’t comfortably afford the current deductible, discuss lower options or glass-only endorsements that waive it for windshield replacement. Adjustments made mid-term often cost just a few extra dollars.

Verify that your insurer allows direct billing with certified PDR shops. Some carriers force owners to pay first and wait weeks for reimbursement, draining cash reserves. Store claim phone numbers, policy documents, and a photo checklist in a zippered glove-box pouch. Quick access lets you file immediately, cut rental days, and refuse pressure to repaint healthy panels. Because Dentex Midwest uploads estimates directly to every major carrier, confirming that connection now accelerates approvals, keeps reimbursements predictable, and guards your budget during storm recovery. Review details each spring alongside tire checks and emergency updates.