When a storm hits your home or business, the visible damage can be overwhelming, but the real stress often begins with the insurance process. Filing a claim, coordinating inspections, and understanding your policy’s fine print can feel like navigating a maze without a map. At Luminous Restoration, we’re here to be your guide. 

As experts in storm damage repair and insurance navigation, we simplify the process so you can focus on restoring your peace of mind, not fighting red tape. 

Complimentary Inspection Before Filing a Claim 

Before you even pick up the phone to call your insurance company, Luminous Restoration offers a complimentary property inspection. This assessment determines whether damage is present and whether it’s worth filing a claim. Not every storm will require a full restoration, but if you don’t check, you could be missing out on compensation that you’re entitled to. 

Many homeowners avoid filing a claim for what they believe is “minor” damage. But just like noting pre-existing damage when you move into a new apartment, filing a claim after a storm

protects you from being held financially responsible later on. Even seemingly small dents or leaks can lead to bigger issues—and bigger bills—down the road. 

Understanding The Impact On Your Premium 

A common concern we often hear is: “Will filing a claim raise my insurance premium?” The answer is reassuring. Damage from hail or wind typically falls under the “Act of God” clause in your insurance policy. These are considered uncontrollable events, which means filing a claim in these circumstances does not usually result in a premium increase. Your insurance company actually recommends inspections after every storm for this reason—it helps protect you and them from future liability. 

Helping You File With Confidence 

Once damage is confirmed, our team helps you document the extent of it thoroughly—photos, reports, and all required details—to make your claim as strong as possible. We know what adjusters are looking for, and we make sure nothing is overlooked. 

Then we stay involved through the entire claims process, from initial contact with your insurance to the final approval. Our team works with your adjuster to advocate for the full scope of necessary repairs, ensuring that your home is restored properly, not just patched up. 

High-Quality Restoration With Zero Guesswork 

After your claim is approved, Luminous Restoration handles every step of the repair and rebuilding process. Whether it’s your roof, gutters, or structural damage, we use high-quality materials and proven techniques to make your home safe, secure, and often better than it was before. 

We’re More Than Contractors—We’re Your Restoration Partners 

At Luminous Restoration, we believe home protection is more than a policy—it’s a promise. From the moment the storm passes to the final nail in your new roof, we’re by your side, offering peace of mind and protection from the unexpected. 

Let us help you turn disaster into recovery—with clarity, compassion, and care.