Saving Time and Money on Every Overspray Insurance Claim

For an insurance professional, a widespread overspray claim—whether from a construction site, an accident, or industrial fallout—presents a challenging decision: cleanup versus repainting. Repainting even a moderate number of vehicles can cost a carrier hundreds of thousands of dollars.

The goal is always to achieve a guaranteed, high-quality restoration at the lowest possible cost. This is where our expertise makes the difference. As claims management specialists, we base our recommendations on five key factors that dictate the most cost-effective path.

5 Factors for Your Cleanup vs. Repaint Decision

Our technicians conduct a thorough pre-clean inspection, which directly determines the scope and cost of the claim. Here are the five key factors we assess:

1. Type of Contaminant: Not all overspray is created equal. Standard latex paint, for example, is often easier to remove than industrial-grade epoxies, tar, or cement dust. The chemical composition is the first determinant of the necessary solvent and technique.
2. Age of the Contaminant (Curing Time): The longer the contaminant sits on the vehicle, the more it cures and hardens. Fresh overspray is simpler to lift than material that has been baked onto the clear coat by the sun for weeks. Time is of the essence in reducing claim severity.
3. Density and Concentration: Is the overspray a light dusting, or is the vehicle heavily coated? High concentration may require more aggressive methods, increasing the risk of collateral paint damage and leaning the decision toward a repaint.
4. Vehicle Surface Integrity: Before cleaning, we inspect the clear coat. If the original paint surface was already scratched, faded, or compromised, aggressive cleaning methods might be deemed too risky.
5. The Effectiveness of Professional Removal: Our proprietary process is designed to safely remove contaminants without sacrificing the integrity of the vehicle’s factory finish. We provide a guaranteed workmanship promise—if the cleanup is successful, a repaint is unnecessary.

Streamlining the Claims Process

Working with Nationwide Overspray provides three major advantages for insurance carriers:

• Cost Containment: Our on-site, mobile removal process consistently offers a solution that is significantly less expensive than a full repaint at a body shop.
• Reduced Administrative Costs: Since we come to the insured, we virtually eliminate expenses like rental cars, towing, and body shop management fees.
• Expert Subrogation Support: We deal directly with the claimants, provide comprehensive electronic releases, and ensure meticulous daily production reporting, giving you the detailed documentation needed for successful subrogation in overspray cases against the responsible party.

Don’t Settle for Repaint Costs. Partner with the Nationwide Overspray experts to ensure every overspray insurance claim is handled efficiently and cost-effectively, starting with our 24-hour response guarantee.