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Old 09-08-2011, 09:35 AM   #1
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New Here - Hail Damage Question

Hello

I have a Ford Focus 2010 and it's waiting for the adjuster to come look at it after being in a hail storm. I'm nervous about what they are going to say since it has 70K miles on it.

This is the front of the car (obviously ) and the roof and trunk look just like this. Every other surface except the bumpers have multiple big dents and the windshield cracked in several spots.

Do you think they will total it?






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Old 09-08-2011, 09:39 AM   #2
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It's tough to say. I know most insurance companies will repair hail damage with paintless dent repair (PDR). This basically means a guy with various tools will very carefully pound out the dents from the backside. Although labor intensive, this procedure is generally less expensive than replacing, prepping, painting, blending and adjusting whole panels. Unfortunately, most PDR repairs are noticeable after the fact....

Just make sure whatever they do returns the vehicle to pre-damage condition. Don't let them charge you premiums and deductibles only to make your car "a lot better than it was".
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Old 09-08-2011, 09:40 AM   #3
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also the vent in front of the windshield has big holes in it, the wiper is cracked and the sprayers are broken under the hood.
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Old 09-08-2011, 09:41 AM   #4
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there has to be several hundred big dents on the car, I can't imagine pdr would be cheaper then replacing. It's at a mechanic shop waiting for the adjuster. Can they say I have to go the PDR route?
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Old 09-08-2011, 09:50 AM   #5
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there has to be several hundred big dents on the car, I can't imagine pdr would be cheaper then replacing. It's at a mechanic shop waiting for the adjuster. Can they say I have to go the PDR route?
You need to familiarize yourself with your state consumer right's laws regarding what you can and can't tell them to do.... perhaps call a competitive agency and explain your situation. They'd LOVE to tell you anything that would potentially piss you off regarding your current provider.

Body work isn't my specialty so take what I say with a grain of salt.... but you'd be surprised to see how much time and effort is required to replace things like quarter panels and do it correctly with factory spot welds. MIG welding panels will affect the collision dynamics and it's amazing how many body shops will peform good-looking work that is structually inadequate.

If I where you I'd just tell them "I don't give a damn what you have to do to fix it... but I better be able to take this to a body proffessional and have him confirm that iit was done correctly".

What's scary with body work is that most people simply don't know what to look for. If their repairs are easily detectable by another pro - you could end up getting a shitty trade-in or private-sale offer due to there being obvious signs of body repair. Bottom-line: Just because you think it looks good doesn't mean it really does look good.
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Old 09-08-2011, 09:58 AM   #6
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Good thing is I actually know the mechanic, friend of family, so I think he would try to give me everything correctly. He estimates "at least" 6-7K in damage at first glance.

I guess my real question is would a 2010 Ford Focus with 70,000 miles on it be totalled out by an estimate that high.

The mechanic said the entire body of the car has to be replaced and then a paint job.

Honestly not really sure if totalling out would be the worst thing, my engine mount and suspension is going and I have to fix something with the tires, a light came on during the ride to the mechanic :(
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Old 09-08-2011, 10:18 AM   #7
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Good thing is I actually know the mechanic, friend of family, so I think he would try to give me everything correctly. He estimates "at least" 6-7K in damage at first glance.

I guess my real question is would a 2010 Ford Focus with 70,000 miles on it be totalled out by an estimate that high.

The mechanic said the entire body of the car has to be replaced and then a paint job.

Honestly not really sure if totalling out would be the worst thing, my engine mount and suspension is going and I have to fix something with the tires, a light came on during the ride to the mechanic :(
Unless you are under water on your loan or have a sentimental attachment, totalling of a car by your insurance is generally a good thing :)
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Old 09-08-2011, 10:27 AM   #8
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I am....I owe 12K on it.

At least it's to my parents....
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Old 09-08-2011, 01:21 PM   #9
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Estimate is in! $9,130.00!

I am SOOOO glad I have insurance!
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Old 09-08-2011, 02:48 PM   #10
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Ouch. If you could, post some before and after pics with repair details. I'd sure hate for my Mustang to catch a hailstorm......but it sure could use some minor body work too ;)
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