If you suspect for any reason that you might have storm damage to your home, call Cardinal Catastrophe Services, Inc. Our Project Managers are trained specifically on how to identify and assess storm damage. We will perform a complete, no-cost assessment of your property, and report our honest findings to you. If you do not have significant damage on your roof or other exteriors to justify filing an insurance claim, we will let you know. Our team is trained to only advise filing insurance claims in cases that have a high claim approval rate. Our expertise will guide you to make the right decision.
Important information to know:
* St. Louis and the Metro East average approximately 5 hail storms yearly and well over a dozen major thunder storms during the spring and summer months. These storms can cause serious damage to your home.
* Hail and/or wind damage constitutes an insurable loss. This loss is one that your carrier is required to cover. It is your carrier’s fiscal and legal obligation to indemnify your property to the condition it was prior to the loss.
* Most insurance companies have a limited time from the date of loss to file a hail/wind claim.
* Contrary to popular belief, rates do not increase when you file an insurance claim for hail or wind damage. The vast majority of our clients have not experienced a rate increase for “Act of God” claim.
Do You Have Storm Damage?
Hail and high winds can cause serious damage to your home. Cardinal Catastrophe Services, Inc., following standards set by NRCA and Haag Engineering, knows exactly what to look for when inspecting your entire property. When it comes to your roof, it is virtually impossible to see the damage from the ground. The “granules” are what protect your shingles from being exposed to the sun’s UV rays. Hail hits remove these granules and fracture the matting. This can lead to roof leaks and further damage. High winds may blow shingles loose, preventing them from re-sealing and causing further damage. Additionally, many homes with older roofing systems likely will fall under the category of “nonrepairable” damage. This means a partial repair cannot be done and instead the full roof must be replaced. The risk industry may not disclose that information, however we always advise you if this applies to your home. After your complementary inspection, we will recommend your next best course of action. In cases where we recommend filing a claim, we have a very high success rate for having the Insurance Company fully replace the roofing system and restore other damaged exteriors.
Ready to find out more?
Contact us for a complementary inspection of your property.