Did You Know Your Dent Warranty Might Pay Your Hail Deductible?

Wally Inskeep • May 12, 2025

Some dent protection plans include up to $1,000 in deductible reimbursement after a hail claim—here’s how to use it (and how Columbia Dent Company can help).

Most people assume their dent & ding warranty only covers little things—

like door dings or shopping cart dents. But if you’ve recently had hail damage,

here’s something you probably didn’t expect:

👉 Your warranty might pay up to $1,000 toward your hail deductible.

Yep. Some of the most common plans—like RoadVantage, CareGard, and Zurich Shield—include deductible reimbursement coverage for hail events.

Let’s break down how it works.

What Is Hail Deductible Reimbursement?

While most dent warranties don’t cover hail repairs directly, some include a powerful benefit: they’ll reimburse you for the deductible you pay to your insurance company, often up to $500 or even $1,000.

It’s usually a separate clause buried in the contract—but it can turn a bad hail day into a much better one.

How It Works (Simple Breakdown)

You get hit by hail.
You file a claim with your auto insurance.
You pay your deductible (usually $500–$1,000).
You submit proof of payment to your dent warranty provider.
They cut you a check. 💰

Most people have no idea this benefit exists—and never use it.

Does My Warranty Cover This?

Not all warranties include hail deductible reimbursement, but here are a few that often do:

RoadVantage
CareGard
Zurich Shield
Auto Armor
Some branded dealership packages (check the fine print!)

If you financed your vehicle and agreed to any “cosmetic protection,” “environmental protection,” or “PDR coverage,” you may already be enrolled.

Don’t worry—we can help you figure it out.

What If I Already Had the Repair Done?

You may still qualify! Many plans allow you to submit for reimbursement after the fact, as long as you:

Paid your deductible out of pocket
Can provide a receipt and proof of the insurance claim

Even if the work was done at another shop, you might still be eligible to get that money back.

Why Use Columbia Dent Company?

We’re not just a dent repair shop—we’re claim navigators too.

✅ We’ll inspect your hail damage
✅ Help file your claim with your warranty provider
✅ Provide any paperwork or photos they require
✅ And handle the repairs to the highest standards

Whether or not your plan reimburses you, we’ll make sure your vehicle is properly evaluated and repaired—without the runaround.

Final Thoughts

If you’ve already paid your hail deductible this year, or you’re about to, don’t leave money on the table. You may have purchased protection and not even realized what it covered.

We’ve helped multiple customers get back $500–$1,000—just by showing them how to use the coverage they forgot they had.