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CDI has not been fair in its' dealings with us. Their policies are written in such a way that they can weasel their way out of paying anything. They make the claim process so complicated, and frustrating, that unless you are prepared to spend a bunch of time, energy and money trying to fight them, you will never be paid for damages to your home. Over the years we have had 3 claims, one for flooding in the basement($5000 damage, received $0 from CDI), one for a burst pipe in our ensuite bathroom that caused damage to the main floor ($2000 damage, received $0 from CDI, AND we received a bill from their restoration company who did nothing more that put fans on the floor to dry things out for $1500), and now we have hail damage on our roof (like everyone else on our street) and who is the only sucker whose insurance company won't pay for at least a partial roof replacement?.. ME, the only CDI customer on the street!! I strongly discourage anyone from using them as an insurance company... you are just throwing your money away.
we had a flood and the insurance company was not only were sympathetic but a restoration company came the next day and repairs were made speedily and the insurance company paid the bill without any hassle.