Carrier filing guide
Filing a hail claim with State Farm.
The largest auto insurer in Missouri and Kansas. Here's the exact process for Kansas City customers.
State Farm · Claims cheat sheet
Print this. Keep it next to your phone when you call.
- Claims phone
- 800-732-5246
- Filing channel
- Mobile app + phone
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, I'm calling to file a comprehensive claim for hail damage to my [year/make/model]. The storm happened on [date]. My vehicle is parked at [location]. I'd like to have my claim coordinated through Hail Solutions in Olathe, Kansas.
State Farm in the Kansas City market
#1 in market share across the KC metro. Deep adjuster roster, fast processing on most claims, and an estimating matrix that includes PDR corrosion protection as a standard line item.
How to file
File through the State Farm mobile app for fastest processing. You can submit photos directly in-app, which routes to a photo-estimate adjuster within 24-48 hours. 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
State Farm generally approves supplements within 1-2 business days when submitted in CCC ONE format with photo documentation. They tend to honor the standard aluminum markup (+25%) and oversized dent line items without pushback.
What happens after you file
You get a claim number, the insurer schedules an inspection (in-person, photo-based, or app-based depending on State Farm'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 State Farm's system.
Start your claim with us online — we'll coordinate with your State Farm adjuster from the first call.
Related: Full insurance claims guide · How supplements work · Your right to choose
State Farm · FAQ
Common State Farm hail claim questions.
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Do I have to use State Farm's preferred repair shop?
No. Missouri and Kansas anti-steering laws protect your right to use any licensed repair shop. State Farm can suggest their network but cannot require it. Full breakdown of your rights.
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Will State Farm 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 State Farm's first estimate seems too low?
State Farm generally approves supplements within 1-2 business days when submitted in CCC ONE format with photo documentation. They tend to honor the standard aluminum markup (+25%) and oversized dent line items without pushback. 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 State Farm cover a rental during repair?
Only if you have rental reimbursement coverage on your policy. Check your State Farm app or call your agent to confirm. How rental coverage works.