YOU'VE FILED A CLAIM,
NOW WHAT?
The hours and days following a loss are often the most confusing. Now that your claim is filed, the process moves into a structured sequence of inspections and approvals. Here is exactly what you should expect from from us.
CRITICAL "DO'S AND DON'TS" WHILE YOU WAIT
Call Cardinal Restoration to mitigate and stabilize the structure. The first 24-48 hours are critical in preventing mold, structural deterioration, and escalating damage.
Do not delay action or assume the damage will stop on its own. Water spreads, smoke residues worsen, and exposed areas invite additional issues.
Prioritize safety – stay off and out of the potentially compromised structure and be mindful of electrical exposure in wet conditions.
Do not tarp your own roof or enter areas with standing water or structural damage.
If safe, take photos or videos of the damage and affected areas following damage. This helps create a clear record of the initial condition.
Do not start disposal of non-salvageable personal items prior to proper documentation.
Trust the guidance of professionals. Depending on the damage, your insurance company or Cardinal Restoration may advise action items for you prior to our arrival.
Do not start removing debris or cleaning prior to Cardinal’s site-visit. As tempting as it can be, premature removal of water, mold or damage can make it challenging to properly assess the extent of the damage and determine accurate next steps.
YOU'VE FILED A CLAIM,
NOW WHAT?
The hours and days following a loss are often the most confusing. Now that your claim is filed, the process moves into a structured sequence of inspections and approvals. Here is exactly what you should expect from from us.
CRITICAL "DO'S AND DON'TS" WHILE YOU WAIT
Call Cardinal Restoration to mitigate and stabilize the structure. The first 24-48 hours are critical in preventing mold, structural deterioration, and escalating damage.
Do not delay action or assume the damage will stop on its own. Water spreads, smoke residues worsen, and exposed areas invite additional issues.
Prioritize safety – stay off and out of the potentially compromised structure and be mindful of electrical exposure in wet conditions.
Do not start disposal of non-salvageable personal items prior to proper documentation.
If safe, take photos or videos of the damage and affected areas following damage. This helps create a clear record of the initial condition.
Do not start removing debris or cleaning prior to Cardinal’s site-visit. As tempting as it can be, premature removal of water, mold or damage can make it challenging to properly assess the extent of the damage and determine accurate next steps.
Trust the guidance of professionals. Depending on the damage, your insurance company or Cardinal Restoration may advise action items for you prior to our arrival.
Do not tarp your own roof or enter areas with standing water or structural damage.
_edited.jpg)
ONE CLAIM.
PART ONE
Part 1 is emergency services where mitigating further damages is the priority, followed by invoicing.​
TWO PARTS.
PART TWO
Now that the home is secure and stabilized, we work closely with your adjuster to identify and create the rebuild scope to restore you to pre-loss condition or better
TWO PARTS.
ONE CLAIM.
PART ONE
Part 1 is emergency services where mitigating further damages is the priority, followed by invoicing.​
PART TWO
Now that the home is secure and stabilized, we work closely with your adjuster to identify and create the rebuild scope to restore you to pre-loss condition or better
THE CLAIM FLOW - PART ONE
AUTHORIZATION
-
Cardinal’s responding technicians will provide and review EWA with property owner or legal representative
EMERGENCY MITIGATION
-
Immediate steps taken to mitigate further loss from additional damage and exposure
-
May or may not happen before claim has been filed
INVOICING
-
The mitigation portion of your claim is done and the insurance company releases mitigation funds for services performed.
THE CLAIM FLOW - PART TWO
SCOPES &
ESTIMATES
-
Working closely with your insurance adjuster, Cardinal creates a repair estimate to restore you to pre-loss condition or better
WORK
AUTHORIZATION
-
Property owner, Cardinal, and insurance adjuster agree on repair scope and cost
-
Approval to proceed is given
ACV PAYMENT
-
ACV (Actual Cash Value) payment is made by insurance
-
Down payment is made per work authorization
JOB SCHEDULED
-
Dedicated Project Manager assigned
-
Material selections and ordering
-
When applicable, permits are pulled
REBUILDING
-
Crews are on-site, actively repairing damage
-
Final walkthrough with owner upon completion
DEPRECIATION AND SUPPLEMENTAL PAYMENT
-
Withheld depreciation is released upon completion
-
If applicable, supplemental payments are made - supplementals are costs discovered but not initially estimated
THE CLAIM FLOW - PART ONE
AUTHORIZATION
-
Cardinal’s responding technicians will provide and review EWA with property owner or legal representative
EMERGENCY MITIGATION
-
Immediate steps taken to mitigate further loss from additional damage and exposure
-
May or may not happen before claim has been filed
INVOICING
-
The mitigation portion of your claim is done and the insurance company releases mitigation funds for services performed.
THE CLAIM FLOW - PART TWO
SCOPES & ESTIMATES
-
Working closely with your insurance adjuster, Cardinal creates a repair estimate to restore you to pre-loss condition or better
WORK AUTHORIZATION
-
Property owner, Cardinal, and insurance adjuster agree on repair scope and cost
-
Approval to proceed is given
AVC PAYMENT
-
ACV (Actual Cash Value) payment is made by insurance
-
Down payment is made per work authorization
JOB SCHEDULED
-
Dedicated Project Manager assigned
-
Material selections and ordering
-
When applicable, permits are pulled
REBUILDING
-
Crews are on-site, actively repairing damage
-
Final walkthrough with owner upon completion
DEPRECIATION AND SUPPLEMENTAL PAYMENT
-
Withheld depreciation is released upon completion
-
If applicable, supplemental payments are made - supplementals are costs discovered but not initially estimated
