Moderate Hail Risk
Moderate Risk Region PDR Guide
PDR guide for moderate hail regions: Wyoming, Montana, Dakotas, and northern states. Seasonal hail with 6-12 events annually, often severe when it occurs.
Quick Facts
Risk Level
Moderate
Annual Frequency
6-12 hail events per year
Typical Size
Pea to quarter size (0.25" to 1")
Peak Season
May-September
Hail Risk Characteristics
Primary Concerns
- Main Issue:
- Infrequent but potentially severe hail events
- Secondary Issue:
- Limited PDR technician availability in rural areas
Typical Damage Pattern
Scattered small dents, primarily horizontal surfaces
Complexity: Low to moderate - fewer dents but may require travel
Specific Challenges
- Less frequent but still damaging hail events
- Rural locations mean limited technician access
- Cold climates require heated workspace for PDR
- May need to travel to larger cities for repairs
- Insurance adjusters less experienced with hail
- Longer repair timelines due to capacity constraints
Repair Characteristics & Costs
Typical Repair Costs
- Average Repair:
- $800-$2,500 per vehicle
- Seasonal Demand:
- Moderate spikes; 1-3 week wait times
- Technician Availability:
- Limited - may need to travel to metro areas
Annual Cost Analysis
- Expected Annual Risk:
- $150-$400/year expected hail damage
- Average Claim Cost:
- $1,500 average comprehensive claim
- Prevention ROI:
- Moderate - occasional hail makes prevention valuable
Insurance Considerations
Premium Impact
+5-10% vs national average
vs national average
Claim Frequency
1 in 6 vehicles will have hail claim over 5 years
Total Loss Risk
Low to moderate
Coverage Recommendations
- Comprehensive Coverage:
- Recommended but less critical
- Recommended Deductible:
- $1,000 (lower claim frequency)
Prevention Strategies
Monitor weather during summer thunderstorm season
Garage parking when possible
Move vehicles to protected areas when storms approach
Maintain good comprehensive coverage
Build relationships with mobile PDR technicians
Consider travel to larger cities for timely repairs