# Root Hail Claim in Phoenix? What Happens Next

> Root says pick your favorite shop, and payment may come straight to you. How a Root hail claim works in Phoenix, and how to get $0 out of pocket on qualifying claims.

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# ROOT HAIL CLAIM IN PHOENIX? WHAT HAPPENS NEXT

Quick Answer

File in the Root app or online, add photos, and use the storm date: October 20, 2026 for the East Valley, October 21 for north Phoenix and Glendale. First check that your policy has comprehensive coverage, because Root says it’s optional and hail falls under it. Root’s claims page then says it looks at the damage, you "may receive a check or electronic payment," and you "pick your favorite shop to repair your vehicle." So there’s no network to work through, but finding a shop is on you. Arizona law (A.R.S. § 20-468) backs that choice. Qualifying Root hail claims at DG Collision Center’s Phoenix shop are $0 out of pocket: Root pays the repair, we cover the first $1,000 of your deductible, and you drive a free loaner.

By [Shah Jiwani](https://dgcollision.com/about/shah-jiwani/) · Owner, DG Collision Center
Updated November 4, 2026
3 min read
I-CAR Gold Class · PPG Certified

The Longer Answer

## ROOT’S STEPS, AND WHAT THEY MEAN FOR HAIL

| Root’s process | What it means for hail | What to do |
|---|---|---|
| "Take pictures" | Shallow dents barely show in a photo | Shoot hood, roof and trunk at a low angle in good light |
| "We look at the damage" | The first number reflects what the pictures showed | Treat it as a starting figure |
| "You may receive a check or electronic payment" | Money can reach you before any shop has seen the car | Hold it for the repair, minus your deductible |
| "Pick your favorite shop" | Root’s claims page leaves the shop to you | Choose by address, written prices and warranty |

Root’s page also suggests the Automotive Service Excellence site for finding shops. That’s a start, and it’s worth asking any shop whether it does paintless dent repair, because hail is specialized work.

## WHEN THE PAYMENT DOESN’T COVER WHAT’S ON THE CAR

That’s usually a documentation gap. We count the dents under PDR lights, panel by panel, and send your adjuster a supplement with photos for what the first estimate missed. Roof dents often need the headliner lowered too, and that labor gets added. You open the claim; we handle the repair-side paperwork.

The Arizona rules still apply to an app. A.A.C. R20-6-801(H)(5) requires an insurer’s estimate to be an amount that can reasonably be expected to repair the car properly, with a copy to you. Reductions for depreciation must be itemized in dollars under (H)(6).

Liability only? Then hail on your own car isn’t covered. Small jobs can still make sense in cash: $75–$200 per dent for dents up to about half-dollar size; larger ones are priced after inspection.

Your costs. On qualifying claims from the October 20–21 storms, we cover the first $1,000 of your deductible; above that, case by case, and we do our best. One of our 30+ Phoenix loaners is yours during the repair: Root is billed if your policy has rental coverage, and if not, it’s still free. More on our [hail repair in Phoenix](https://dgcollision.com/hail-damage-repair-phoenix/) page.

Root® is a trademark of its owner. DG Collision Center is an independent repair shop, not affiliated with or endorsed by Root. Quoted language is from joinroot.com, checked November 2026. General information, not legal advice.

### Root Paid You? Now Pick A Shop.

Text your estimate or payment details and a few photos to (602) 935-6008. We’ll tell you if it looks short and set up pickup and your loaner.

Text My Estimate
Call (602) 935-6008

Related Questions

## ASKED ALONGSIDE THIS ONE

**Q: Does Root have a repair network I have to use?**

A: Root’s claims page tells you to pick your favorite shop, and Arizona law, A.R.S. 20-468, gives you the right to choose any repair facility.

**Q: Does Root cover hail damage?**

A: With comprehensive coverage, generally yes. Root says comprehensive and collision are optional, so check your policy in the app.

**Q: Root’s payment seems low. What now?**

A: It reflects what the photos showed. When a count under PDR lights finds more, the shop sends your adjuster a supplement with photos.

**Q: Can I get a loaner instead of a rental?**

A: Yes. You drive one of our 30+ Phoenix loaners. If your policy has rental coverage, Root is billed; if not, the loaner is still free.

Also read: [USAA](https://dgcollision.com/answers/usaa-hail-claim-phoenix/) · [GEICO](https://dgcollision.com/answers/geico-hail-claim-phoenix/) · [Finding your own shop](https://dgcollision.com/answers/insurance-told-me-to-find-my-own-hail-repair-shop/) · [Got the payment?](https://dgcollision.com/answers/insurance-check-for-hail-damage-arizona/) · [Hail repair in Phoenix](https://dgcollision.com/hail-damage-repair-phoenix/)