What We Do

At Luminous

Every home is distinct, and so are its vulnerabilities. We specialize in tailoring coverage to meet the specific needs of your property. Our experts work closely with you to understand the intricacies of your home, ensuring that your coverage is not just comprehensive but uniquely tailored to safeguard what matters most to you.

Home protection is more than a policy; it’s a commitment to preserving the dreams and memories housed within. Luminous is your partner in risk assessment and mitigation, proactively identifying potential vulnerabilities and working with you to minimize risks. We are dedicated to being your shield against the unexpected.

When the unexpected happens, our team is here to guide you through the restoration process. From planning and coordination to claims support, we offer expert assistance every step of the way. Luminous ensures that the journey of restoring your home is as smooth and stress-free as possible.

Illuminate Your Home's Future

with Confidence

FAQ's

Yes, because it takes 2-3 years for a leak to appear after a hail or wind storm, and by that time, the insurance coverage window has expired. Storm damage is like “tooth cavities,” and the longer you go without treatment, the worse it’s going to get (and you won’t even know you have them until the dentist tells you). Insurance providers usually limit coverage to 1-year from the storm date because they want to pay for “cavities,” not “root canals.” We are here to protect your home and protect you from out-of-pocket costs.

While there are certain types of claims that can cause your insurance premium to increase, storm damage falls under the “Act of Nature” or “Act of God” clause, which do not impact your premium since they are uncontrollable. This is why your insurance recommends inspecting the property every time there is a hail or wind storm and report any damage immediately. However, before filing a claim, our complimentary property inspection will uncover if there is a need to do so.

Yes, filing a claim with insurance after a hail or wind storm is always recommended. It’s just like when you move into a new apartment, and the landlord gives you a form to fill out any pre-existing damage so you aren’t held financially responsible for it later. Every time a hail or wind storm hits your property, insurance gives you one year to file a claim and have the property inspected by a representative to remove you from financial responsibility. It’s not a matter of “Do I need a new roof?” but more “If damage is present, I don’t want to miss out on any opportunity to have it paid for by insurance and increase the value of my home.”

That is a great connection to have in Texas because we get a lot of storms. We’re not here to “break up any marriages,” but we get a large number of our customers because their original contractor wasn’t equipped to complete the full scope of approved work, or they got stuck in the insurance process and couldn’t get the project off the ground at all. So, before throwing in the towel on a delayed insurance claim, we’re available for a free consultation.

There are a few reasons that insurance will deny covering the damages, but the most common reason is extremely simple… The inspector missed taking some crucial damage photos. See, the person who inspects your property doesn’t actually have any decision-making power at all. Their job is to capture photos of the damage, which are then reviewed by a desk adjustor to decide whether to cover the damage. Unfortunately, due to the volume of inspections they have to complete in a day and the limited time they have at each home, one or two missed pictures are often the difference in insurance paying for the entire project and it being denied for “not enough damage.” Regardless of the reason you were denied coverage on the claim, our team inspects your entire property and organizes photos to communicate your restoration needs accurately.

Why Choose Luminous

  • Expertise in Home Restoration: Benefit from our team’s extensive experience in the insurance and home restoration industries. We bring a wealth of knowledge to ensure that you receive the best advice and assistance.
  • Customer-Centric Approach: At Luminous, our customers come first. We prioritize clear communication, transparency, and a personalized approach to meet your individual needs.
  • Comprehensive Solutions for Peace of Mind: Our services encompass not only insurance coverage but a holistic approach to home protection. With Luminous, you can rest easy, knowing that your home is in capable hands.