NTX Hail | Professional Auto Hail Damage Repair

Privacy Policy

Introduction

At NTX HAIL, we are committed to protecting the privacy of our customers and website visitors. This Privacy Policy outlines how we collect, use, and safeguard your personal information when you interact with our services or website. We value your trust and strive to maintain transparent and ethical data handling practices.

Information We Collect

We may collect the following types of information:

Personal Information: This includes your name, email address, phone number, and physical address. We collect this information when you provide it to us directly, such as when you request a service, schedule an appointment, or provide feedback.
Vehicle Information: This includes your vehicle's make, model, year, and VIN. We collect this information to provide accurate repair estimates and services.
Website Usage Data: We may collect information about your interactions with our website, such as your IP address, browser type, and pages visited. This information helps us improve our website and user experience.

How We Use Your Information

We use your information for the following purposes:

Providing and Improving Services: We use your information to schedule appointments, provide repair estimates, process payments, and deliver excellent customer service.
Communication: We may use your contact information to send you appointment reminders, service updates, and respond to your inquiries.
Marketing Communications: With your consent, we may send you emails or newsletters about our services, promotions, and company news. You can opt-out of these communications at any time.
Website Analytics: We use website usage data to analyze trends, improve our website content, and enhance user experience.

Data Sharing

We do not share your personal information with third parties, except in the following circumstances:

Service Providers: We may share information with trusted third-party service providers who assist us with payment processing, data storage, and other essential functions. These providers are obligated to protect your information.
Legal Compliance: We may disclose information if required by law or legal process.

Data Security

We take reasonable measures to protect your information from unauthorized access, use, or disclosure. We use secure third-party applications, such as CCC One and Mobile Tech RX, to manage customer data and ensure its security.

Your Rights

You have the following rights regarding your personal information:

Access: You can request access to the information we hold about you.
Correction: You can request correction of any inaccurate or incomplete information.
Deletion: You can request deletion of your information, subject to certain legal obligations.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

NTX HAIL
904 S Woodrow Ln, Denton, TX 76205
214-308-5779
team@ntxhail.com

Updates to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website.

Shop Advisor Support

PDR Matrices · Best Practices · FAQ

Frequently Asked Questions

How do I determine dent size for estimating?

Use coins or magnetic discs that completely cover the outer circumference of the damage using the reflection of a straight edge. The dent size used should represent the majority size present on the panel. For example: if a panel has 50 dimes, 15 nickels, and 5 quarters — estimate as 70 dimes.

When should I use Conventional Repair vs PDR?

Consider conventional repair when damage exceeds PDR capability: paint is broken on the panel, damage is excessive, or the dent count / size exceeds the matrix ceiling for that panel. Panel replacement should be considered when it's the most cost-effective repair option.

What are standard markup rules across carriers?

+25% for Aluminum panels. Most carriers allow this. +25% for High Strength Steel (HSS). Widely accepted. +25% for Double Panels (roof rails, limited access areas) — varies by carrier. Maximum 35% markup when 2+ additions apply (most carriers enforce this cap). Only ONE markup per panel is generally allowed — apply the highest applicable.

How are Oversized Dents handled?

Damage exceeding a half-dollar in size is classified as an Oversized Dent (OS). Add $50 per OS dent as a separate line item — do not include in the dent count. Double Oversized (DOS) — dents exceeding 2x half-dollar — add $100 per dent. Most carriers (State Farm, Allstate, USAA, Farmers, Progressive) follow this standard.

What photos are required for a hail claim?

Standard photo requirements across most carriers: 4 corners of vehicle, VIN, odometer, prior damage, and hail damage with and without markings. Use a black and white grid to show dent size and depth. For CAT claims, the VA Adjuster will direct specific photo requirements.

What is R&I and when do I add it?

R&I (Remove & Install) is labor time to remove and reinstall parts to access a panel for PDR. Use CCC estimating guides for published R&I times. Common R&I items: Hood liner, headliner, sunroof/rack, trunk liner, tail light, wheel liner, moldings, door glass. Add R&I as needed when parts must be moved to complete repairs.

What is Corrosion Protection and when do I charge it?

Corrosion protection is added when necessary to protect bare metal exposed during PDR. Most carriers allow $10 per panel, up to $30 maximum per vehicle. State Farm, USAA, Farmers, and Progressive all follow this guideline. Add when applicable.

What happens when dent count exceeds the matrix?

When damage exceeds the matrix ceiling, carriers handle it differently. State Farm uses MCE (Most Cost Effective) — PDR can be negotiated case by case. USAA uses MCA (Most Cost Appropriate). Progressive uses CR (Conventional or Replace). Farmers and Allstate allow manual line entries beyond the matrix. Document thoroughly and supplement as needed.

How do I handle a CAT event supplement with Allstate?

Use Virtual Assist (VA) to request supplements. Supplement requests must be itemized. The sublet vendor estimate/invoice must be clear with counts and R&I labor. Use the "Import Workfile Copy" feature to download the Allstate estimate via Estimate Share. For payment concerns, use CCC Quick Chat.

What is the vehicle inspection standard before estimating?

For proper hail inspection: vehicle must be clean, dry, indoors, with proper lighting. Do not estimate on a wet or dirty vehicle — this affects dent visibility and sizing accuracy. Document all pre-existing unrelated damage in the Prior Damage section of the estimate.

PDR Best Practices

Inspection Standards

Vehicle must be clean, dry, and indoors with proper lighting
Use coins/magnetic disk to size dents — must cover full circumference
Use reflection of straight edge to assess depth
Dent size = majority size on the panel
Document all prior damage separately

Estimating Guidelines

List PDR by panel — never as a single line item
Include dent count and dent size on every line
PDR pricing should not exceed panel replacement cost
Use CCC estimating system for R&I times
Add Corrosion Protection ($10/panel, max $30) when applicable

Markup Rules

+25% for Aluminum panels
+25% for High Strength Steel (HSS)
+25% for Double Panels / limited access
+25% for Large SUVs, trucks, full-size vans (roof)
Maximum 35% when 2+ markups apply — ONE per panel (Allstate, Progressive, USAA)

Oversized Dents

OS dent = larger than half-dollar — add $50/dent separately
DOS dent = exceeds two half-dollars — add $100/dent
OS/DOS dents are NOT included in panel dent count
Document OS dents as a separate line item with count

Photo Requirements

4 corners of vehicle (all angles)
VIN and odometer
Hail damage: with AND without markings
Black and white grid for dent size/depth
Prior/unrelated damage documentation

Conventional & R&R

Consider conventional when paint is broken or damage is excessive
Consider R&R when it's more cost-effective than PDR
Apply markup only to the PDR portion on combo repairs
Document reasoning in estimate notes

State Farm PDR Matrix

Very Light — Medium (1–50 Dents)

Panel	1–5				6–15				16–30				31–50
	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H
Hood	80	100	125	150	125	175	200	250	200	225	275	350	300	350	425	500
Roof	100	125	150	200	175	225	250	325	250	300	350	425	375	425	525	600
Deck Lid	80	100	125	150	125	150	200	250	175	225	275	300	275	325	400	475
Roof Rail	85	100	125	150	125	150	175	MCE	200	250	275	MCE	300	400	MCE	MCE
Fender	80	100	125	150	125	150	175	200	175	225	275	300	275	300	350	375
Door	80	100	125	150	125	150	175	200	175	225	250	300	275	300	350	MCE
Quarter	80	100	125	150	125	150	175	200	175	225	250	300	275	325	400	475
Cowl/Other	100	125	150	175	150	175	200	225	200	225	250	275	MCE	MCE	MCE	MCE

Heavy — Ceiling (51–250 Dents)

Panel	51–75				76–100				101–150				151–200				201–250
	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H
Hood	375	400	500	625	450	550	650	750	550	650	MCE	MCE	650	800	MCE	MCE	725	825	MCE	MCE
Roof	475	550	675	800	575	675	800	900	650	750	950	1100	850	950	1150	1450	950	1150	1350	1550
Deck Lid	400	450	500	600	450	550	650	MCE	550	650	MCE	MCE	650	MCE	MCE	MCE	750	MCE	MCE	MCE

Add-ons & Notes

+25% Aluminum panels

+25% HSS panels (when requested)

+25% Double-layered panels / roof rails

+25% Full-size vans, SUVs, ext. cab trucks (roof)

ONE 25% add-on per panel maximum

$50/dent OS dents (> half-dollar, separate line)

$10/panel Corrosion Protection (max $30/vehicle)

MCE = Most Cost Effective — negotiate case by case

Allstate PDR Matrix

Pricing based on part by size and quantity. Any blank field will require decision for Most Cost Effective option for PDR or Replacement.

Dime Size

Part Name	6–15	16–30	31–50	51–75	76–100	101–150	151–200	200+
Cowl	100	150
Decklid	75	125	200	300	400	475	600	700
Door/Fender/QP	75	125	200	300
Hood	75	125	200	300	400	475	600	700
Roof	100	175	250	375	475	575	700	850
Roof Rail	100	150	250	450
Uniside	100	150	250	450				1075

Nickel Size

Part Name	6–15	16–30	31–50	51–75	76–100	101–150	151–200	200+
Cowl	125	200
Decklid	100	175	250	350	475	600	750	900
Door/Fender/QP	100	150	225	325
Hood	100	175	250	350	475	575	700	850
Roof	125	225	300	450	575	700	850	1000
Roof Rail	125	200	300	550
Uniside	125	200	300	550				1275

Quarter Size

Part Name	6–15	16–30	31–50	51–75	76–100	101–150	151–200	200+
Cowl	150	250
Decklid	125	200	300	425	550	700
Door/Fender/QP	125	175	250
Hood	125	200	300	425	550	700
Roof	150	250	375	550	700	850	1000	1250
Roof Rail	150	250	450	550
Uniside	150	250	450					1500

Half Dollar Size

Part Name	6–15	16–30	31–50	51–75	76–100	101–150	151–200	200+
Cowl	200	400
Decklid	150	300	400	525	650	800
Door/Fender/QP	150	300	400	525	650	800
Hood	150	300	400	525	675	825	975
Roof	200	400	525	675	825	975	1200	1500
Roof Rail	200
Uniside	200

Allstate Add-ons & Guidelines

+25% Extended Panel Repairs

+25% Aluminum & HSS panels

+25% Double Panels (excl. roof rails, upper door frames)

Maximum 35% markup when 2+ adds apply

$50/dent Oversized (> half-dollar, separate line)

$100/dent Double Oversized (DOS)

Panel Markup requires line note explanation

Use CCC One PDR matrix for all estimates

CAT claims — use Virtual Assist for supplements

GHRN shops stop receiving CAT assignments during declared CATs

Farmers PDR Matrix

Panel	1–5				6–15				16–30				31–50
	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H
Hood	75	100	125	150	125	175	200	300	200	250	300	375	300	350	425	515
Roof	100	125	150	200	175	225	250	375	250	300	375	475	375	450	550	625
Deck Lid	75	100	125	150	125	175	200	300	200	250	300	375	300	350	425	515
Quarter Panel	75	100	125	150	125	150	175	225	200	225	250	300	275	300	375	400
Roof Rail	100	125	150	200	150	200	225	250	235	275	375		385	475	500
Door	75	100	125	150	125	150	175	215	200	225	250	275	285	315	325	350
Fender	75	100	125	150	125	150	175	215	200	225	250	275	285	315	325	350
Cowl	100	125	150	200	150	200	250	300	175	225	250	300	200	250	275	350

Farmers Add-ons & Notes (March 2026)

+25% Aluminum panels

+25% High Strength Steel (HSS)

+25% Double panels (incl. roof rails) when entire panel is double

+25% Large SUV / truck / van roof

$50/dent Oversized dent (> half-dollar)

$10/panel Corrosion Protection (max $30)

No markup on exotic vehicles, door or glue pulls

Can exceed matrix — manual line entry if it makes sense

GEICO Insurance PDR Matrix (2024)

Panel	1–5 (V.Light)				6–15 (Light)				16–30 (Moderate)				31–50 (Medium)				51–75 (Heavy)
	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H
Hood	75	100	125	150	125	175	200	250	175	200	250	325	275	325	400	475	350	400	475	600
Roof	100	125	150	200	175	200	250	300	200	250	325	400	300	350	450	525	375	425	525	650
Deck Lid	75	90	125	140	100	150	175	200	175	200	225	250	225	250	300	325	325	375	425	475
LF/RF Fender	75	90	125	140	100	150	175	200	175	200	225	275	225	250	300	325	325	375	425	475
Quarter	75	90	125	140	100	150	175	200	175	200	225	275	225	250	300	325	325	375	425	RR
Doors	75	90	125	140	100	150	175	200	175	200	225	275	225	250	300	325	325	375	425	RR

GEICO Add-ons

+25% Aluminum or HSS

+25% Double Panel

+30% Aluminum Double Panel or HSS Double Panel

Maximum 35% per panel when 2+ apply

+25% Minivans, SUVs, Ext. Cab Trucks, Crossovers

$50/dent Oversized dent

RR = Repair or Replace at that range

Progressive PDR Matrix

Panel	1–5				6–15				16–30				31–50				51–75
	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H
Hood	75	100	125	150	125	175	200	300	200	250	300	400	300	350	400	525	400	475	550	650
Roof	100	125	150	200	175	225	250	400	250	300	375	525	375	450	550	675	475	575	700	825
Deck Lid	75	100	125	150	125	175	200	300	200	250	300	400	300	350	425	525	400	475	550	650
Quarter	75	100	125	150	125	150	175	225	200	225	250	375	300	325	400	525	400	450	550	CR
Door	75	100	125	150	125	150	175	225	200	225	250	CR	300	325	350	CR	400	450	475	CR
Fender	75	100	125	150	125	150	175	225	200	225	250	CR	300	325	350	CR	400	450	475	CR
Cowl/Other	100	125	150	200	150	200	250	400	CR	CR	CR	CR	CR	CR	CR	CR	CR	CR	CR	CR

Progressive Add-ons

+25% Extended panel repairs

+25% Aluminum & HSS/UHSS

+25% Double panels (excl. roof rails)

Maximum 35% when 2+ add-ons apply

$50/dent Oversized (> half-dollar, < 2 half-dollars)

$100/dent Double Oversized (> 2 half-dollars)

$10/vehicle Corrosion Protection when applicable

CR = Conventional or Replace

USAA 2025 Hail Pricing Matrix

Panel	1–5				6–15				16–30				31–50				51–75
	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H
Hood	80	100	125	150	125	175	200	250	200	225	275	350	300	350	425	500	375	400	500	625
Roof	100	125	150	200	175	225	250	325	250	300	350	425	375	425	525	600	475	550	675	800
Deck Lid/Gate	80	100	125	150	125	150	200	250	175	225	275	300	275	325	400	475	400	450	500	600
Quarter	80	100	125	150	125	150	175	225	175	225	250	300	275	300	375	400	325	375	450	525
Roof Rail	85	100	125	150	125	150	175	225	200	250	275	325	300	400	500	575	400	500	600	700
Door	80	100	125	150	125	150	175	200	175	225	250	300	275	300	350	375	325	375	425	475
Fender	80	100	125	150	125	150	175	200	175	225	275	300	275	300	350	375	325	375	450	525
Cowl	100	125	150	175	150	175	200	225	200	225	250	275	MCA	MCA	MCA	MCA	MCA	MCA	MCA	MCA

USAA Add-ons (Updated July 2025)

+25% Roof for SUV/UTV, Van, Mini Van, Wagon, Trucks

+25% Aluminum, HSS, Rails, Double Panels*

+35% Aluminum Double Panels* & HSS Double Panels*

Maximum 35% when 2+ add-ons apply

$50/dent Oversized (> half-dollar)

$100/dent Double Oversized (DOS)

$10/panel Corrosion Protection (max $30/vehicle)

*Double panel add-on only when damaged area is double panel

MCA = Most Cost Appropriate

Travelers Insurance PDR Matrix

Panel	1–5 V.Light				6–15 Light				16–30 Moderate				31–50 Moderate
	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H
Hood	100	130	190	230	175	210	250	325	225	280	340	445	275	340	415	500
Roof	100	130	190	230	175	215	260	295	225	280	365	440	300	365	450	545
Deck Lid	100	130	185	250	175	215	270	290	230	290	370	430	290	365	455	525
L & R Quarter	75	100	135	195	165	190	220	290	215	245	310	395	255	310	390	465
L/R Roof Rail	100	125	135	175	165	195	230	295	215	250	320	RR	265	325	RR	RR
L/R Doors	75	100	125	175	150	175	205	290	195	235	280	RR	240	295	RR	RR
L/R Fenders	75	100	125	175	150	175	205	295	195	235	285	RR	240	290	RR	RR
Metal Sunroof	75	100	125	175	150	175	205	290	195	235	285	RR	240	295	RR	RR
Cowl/Other	100	130	190	230	175	215	260	295	RR	RR	RR	RR	RR	RR	RR	RR

Travelers Add-ons

+25% Aluminum panels

+25% High Strength Steel (HSS)

+25% Double panels (Oversize, SUV, Truck, Van)

$50/dent Oversized dent

RR = Repair or Replace

Nationwide PDR Matrix

Panel	1–5				6–15				16–20				31–50
	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H
Hood	75	100	125	150	125	175	200	200	175	225	250	300	225	250	300	300
R/L Fender	75	100	125	150	125	175	200	200	175	225	250	300	225	250	300	300
R/L Fender	75	100	125	150	125	175	200	200	175	225	250	300	225	250	300	300
Roof	100	125	150	175	175	200	250	300	200	250	300	375	250	300	375	400
R Rail/Corner	100	125	150	175	175	225	250	300	200	250	275	300	250	250	300	300
Doors	75	100	125	150	125	175	175	200	175	225	250	300	225	250	300	300
Quarter	75	100	125	150	125	175	175	200	175	225	250	300	225	250	300	325
Deck Lid	75	100	125	150	125	150	175	175	175	200	250	300	200	250	300	325

Nationwide Add-ons

+25% Aluminum panels

+25% HSS panels

+25% Double panels

$50/dent Oversized dent

CR = Damage may require replacement

UPD = Unrelated Prior Damage — document separately

Liberty Mutual / Safeco PDR Matrix

Panel	1–5 V.Light				6–15 Light				16–30 Moderate				31–50 Moderate
	D	N	Q	H	D	N	Q	H	D	N	Q	H	D	N	Q	H
Average Size	85	100	125	150	125	150	175	300	125	150	175	300	125	150	175	300
L Fender	85	100	125	150	125	150	175	200	140	175	200	250	150	175	200	250
Roof	100	125	150	200	175	200	250	400	175	200	250	400	175	200	250	400
Roof Trunk	85	100	125	150	125	150	175	300	125	150	175	300	125	150	175	300
L/R Door	85	100	125	150	125	150	175	200	125	150	175	200	125	150	175	200
LF/RF Door	85	100	125	150	125	150	175	200	125	150	175	200	125	150	175	200
R Quarter	75	100	125	150	125	150	175	200	125	150	175	200	125	150	175	200
L Quarter	75	100	125	150	125	150	175	200	125	150	175	200	125	150	175	200

Liberty Mutual / Safeco Add-ons

+25% Double panels

Add 25% Aluminum or HSS

Maximum 35% when 2+ add-ons apply — 10% on second add

$50/dent Oversized dent (> half-dollar)

Belt Molding LF/LR/RF/RR as needed

Roof Molding LF/RR as needed

Extended panel repairs on large trucks/vans/SUVs

MCE = Most Cost Effective — shown as MCE on matrix

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Add-ons & Notes

Allstate Add-ons & Guidelines

Farmers Add-ons & Notes (March 2026)

GEICO Add-ons

Progressive Add-ons

USAA Add-ons (Updated July 2025)

Travelers Add-ons

Nationwide Add-ons

Liberty Mutual / Safeco Add-ons

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