Carrier filing guide
Filing a hail claim with Shelter Insurance.
Missouri-based regional carrier. Here's the exact process for Kansas City customers.
Shelter Insurance · Claims cheat sheet
Print this. Keep it next to your phone when you call.
- Claims phone
- 800-743-5837
- Filing channel
- Phone (no app)
Have ready: your policy number, the storm date, vehicle info (year/make/model/VIN), photos of the damage, your comprehensive deductible amount.
Script — say this when you get through:
Hi [agent], filing a comprehensive claim for hail damage. Vehicle is a [year/make/model]. Damage happened on [date]. Please set the claim up with Hail Solutions in Olathe as my repair facility.
Shelter Insurance in the Kansas City market
Strong presence on the Missouri side of the metro — Lee’s Summit, Blue Springs, Independence, Raytown. Smaller footprint in Kansas. Agent-driven model similar to American Family.
How to file
Call your Shelter agent directly. Shelter doesn’t have an especially developed claims app, and agent-initiated claims move faster than website submissions. Once you have your claim number, text it to us at the shop and we'll take it from there — adjuster meeting, supplement, repair, delivery.
Supplement handling
Shelter is a regional carrier with tighter margins than national carriers, so supplement negotiations sometimes take an extra round. We write tight, well-documented supplements to minimize rework.
What happens after you file
You get a claim number, the insurer schedules an inspection (in-person, photo-based, or app-based depending on Shelter Insurance's typical flow), and you pick your repair shop. Anti-steering laws in Missouri and Kansas protect your right to use Hail Solutions regardless of what their preferred-shop network suggests. Our Olathe shop is permanent, our warranty is lifetime, and our CCC ONE estimates translate directly into Shelter Insurance's system.
Start your claim with us online — we'll coordinate with your Shelter Insurance adjuster from the first call.
Related: Full insurance claims guide · How supplements work · Your right to choose
Shelter Insurance · FAQ
Common Shelter Insurance hail claim questions.
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Do I have to use Shelter Insurance's preferred repair shop?
No. Missouri and Kansas anti-steering laws protect your right to use any licensed repair shop. Shelter Insurance can suggest their network but cannot require it. Full breakdown of your rights.
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Will Shelter Insurance raise my rates after a hail claim?
Comprehensive claims generally don't affect rates in most cases. Hail is classified as act of God and no-fault. Full breakdown here, including the edge cases.
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What if Shelter Insurance's first estimate seems too low?
Shelter is a regional carrier with tighter margins than national carriers, so supplement negotiations sometimes take an extra round. We write tight, well-documented supplements to minimize rework. We handle the supplement process end-to-end — you don't need to negotiate with adjusters yourself. How supplements work.
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Does Shelter Insurance cover a rental during repair?
Only if you have rental reimbursement coverage on your policy. Check your Shelter Insurance app or call your agent to confirm. How rental coverage works.