Hail, high wind, a tree on the gable. When the weather turns, Guardian responds fast, usually within 24 hours, and walks your insurance claim through from the first inspection to the final check. You shouldn't have to fight your own insurer alone.
Insurance claims feel intimidating because most homeowners only file one in a lifetime. We do it every week. Here's exactly how the process goes when you call Guardian.
We climb the roof, photograph hail bruising, wind creasing, and damaged flashing, and capture it all with drone imagery. You get a written damage report whether or not you file.
You file with your carrier, we tell you exactly what to say and what to send. We never pose as a public adjuster; we make sure nothing gets overlooked.
We meet your insurance adjuster on-site, walk the damage together, and make sure the scope of loss reflects the real condition of your roof, not a quick drive-by estimate.
Once approved, we put together a proper scope and material selection. You pick colors and upgrades; we handle the paperwork and the supplement if the first estimate falls short.
Certified crews install your new system, we submit the completion documents your insurer needs, and Tyler walks the finished job with you. You pay your deductible, nothing hidden.
If the damage doesn't justify a claim, we'll tell you. We'd rather earn a repair and your trust than push you into a claim you don't need.
A few simple steps protect your home and your claim. Do what's safe from the ground, leave the roof to us.
Photograph anything you can see safely, dented gutters, fallen branches, shingles in the yard, water spots inside.
If water's coming in, move valuables and put a bucket down. Don't climb up to tarp it yourself, call us.
Locate your homeowner's policy number and carrier phone line so you're ready when it's time to file.
Before you sign anything with a door-knocker, get a free, honest inspection from a local crew you can find next year.
Straight answers before you file.
A single weather-related claim (hail or wind) typically falls under "act of God" and is treated differently than an at-fault claim. Many carriers don't surcharge for it, but every policy is different, check with your agent. We'll never push you to file a claim that isn't worth it.
If your claim is approved, you're generally responsible only for your deductible. Insurance covers the approved scope of the replacement. We'll explain exactly what's covered before any work begins.
No. Storm and hail inspections are always free, including drone documentation and a written report you can hand directly to your insurance company.
Be careful. Storm-chasing crews often have you sign a contract or "assignment of benefits" on the spot, then disappear. Get a free second opinion from a local, certified contractor first, and read anything before you sign it.
It happens, sometimes the first estimate misses damage. We document thoroughly, can request a re-inspection, and submit a supplement with proper photos and measurements when the scope falls short.
Every major carrier, State Farm, Allstate, Farmers, USAA, Liberty Mutual, American Family, Erie, and most regional insurers. We know how each likes documentation presented.
We'll document the damage, tell you honestly whether it's worth a claim, and handle the rest if it is.
