Cardinal Roofing & Renovations specializes in storm restorations and insurance claims assistance. We have an experienced team of professionals and use the latest technologies to ensure superior quality and quick turnaround times. Our teams are dedicated to superior customer satisfaction.
It is important to get a free roof inspection after a storm because strong winds and hail can cause significant damage to your roof. If left unchecked, these damages can lead to leaks and other major problems if not addressed. With a free roof inspection, a certified roof inspector can identify and repair any damage, helping to prevent further problems and potentially saving you money in the long run.
Most claims take a few weeks from the first call to approval, but it depends on your insurance company and how busy they are after a big storm. The adjuster visit is usually scheduled within one to three weeks. Once the claim is approved and materials are ordered, most roof replacements take one to two days.
Insurance companies don’t charge you to file a claim. If the claim is approved, you pay your deductible and the insurance company covers the rest of the approved repair cost. Our storm damage inspection is free.
1) Get a free inspection so you know whether there is real damage. 2) Call your insurance company to open a claim. 3) An adjuster inspects the property. We can be there to show them what we found. 4) Your insurer sends a written estimate. 5) Once approved, we schedule the work and handle the cleanup.
The claim has to be opened by the policyholder. A family member or caregiver can help, but most insurers need the policyholder on the call or written permission before they will talk with anyone else.
Have your policy number, the date of the storm, and photos of the damage (inside and out) ready. Our inspection report and photos can support the claim. Keep receipts for any emergency repairs such as tarping.
Most standard homeowners policies cover sudden wind and hail damage. Check your declarations page for your deductible, since some policies have a separate wind or hail deductible, and whether your roof is covered at replacement cost or actual cash value.
The adjuster looks for damage caused by a specific storm, such as hail bruises, creased or missing shingles, and dented gutters or vents. Normal wear and aging is usually not covered, which is why it helps to have an inspection soon after the storm.
Policies often limit coverage for roofs past a certain age, cosmetic-only damage, or damage reported long after the storm. Most policies require claims to be filed within a set time, often one year. Read your policy or ask your agent.
Wind, hail, falling trees and lightning are usually covered under a standard homeowners policy. Tornado damage is typically covered as wind damage.
Usually not. Standard homeowners policies exclude flooding from rising water. Flood coverage is a separate policy, often through the National Flood Insurance Program. Water that comes in through storm damage to the roof is usually covered.
Every policy is different. For questions about your specific coverage, check with your insurance agent. For a free storm damage inspection, call (937) 576-6753.
