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An estimate is free and is not a promise that every panel will be repaired. The estimator on this site is a ballpark, not a claim decision.
$0 out of pocket applies when comprehensive coverage pays the hail claim. In those cases the shop covers the deductible. A different storm is a different claim.
Lifetime warranty covers hail and paintless repairs: if a repaired dent returns, we fix it at no charge. It does not cover a new storm or paint that was already written as body work.