Commercial hail damage claims in Illinois

Nobody can judge hail on a flat roof from the parking lot. We go up, record the roof, the rooftop units and the metal, and present the loss to your carrier.

Free Claim Review (630) 297-8136

$0 upfront
Fee from the recovery only
Licensed Illinois public adjusters

Aerial view of a house with new light-grey shingles, lumber and a ladder stacked beside the driveway — **Hail claim on a house, approved**Roof, siding and gutters paid in one claim.

Where a commercial hail claim loses money

One corner stands in for the roofA short visit covers part of a large building. We walk all of it and mark test areas.
Rooftop equipment is left offCondenser fins, vent caps, skylights and coping each get a line on our estimate.
Dents are called cosmeticOnly some policies carry a cosmetic damage endorsement. We read yours first.
The deductible is misreadA percentage wind and hail deductible is figured on the insured limit. We work it out before you file.

Overhead view of a house with a grey shingle hip roof, a flat roof section at the back and old shingles piled beside it

What we record on a commercial roof, zone by zone

Every finding is tied to a place on the roof plan. Own a house? See hail damage claims.

Roof edge

Coping, gutters and downspouts, photographed run by run with a scale in the frame.

Open roof surface

The membrane or built-up surface, walked in a grid. Test areas are marked, counted and photographed.

Seams and flashings

Where the roof meets walls and curbs. Openings are photographed before anyone patches them.

Rooftop units

Fins, housings and hoods, listed unit by unit.

Skylights and vents

Cracked domes and dented caps.

Drains

Strainers and the surface around them.

Under the roof

Stained ceiling tiles and wet insulation, with moisture readings.

Five policy lines we read before the roof is priced

The answers sit in the declarations and the endorsements. We read them with you, free.

Aerial view of a house with a dark grey shingle roof between two neighbouring houses and bare trees

Wind and hail deductible: A flat amount, or a percentage of the limit?; How it is calculated
Roof valuation: Replacement cost, or actual cash value on an older roof?; ACV and replacement cost
Cosmetic damage: Are dents that do not leak excluded?; Roof endorsements
Ordinance or law: Who pays to bring the repair up to current code?; Code coverage
Business income: Is income lost during the repair covered?; Business interruption

Send us the policy and the storm date

Free policy and roof reviewWe say plainly whether a claim is worth filing.
Inspection on the roofPhotos, measurements and a marked roof plan.
Our own line-item estimateAt current repair cost, sent to the carrier in writing.
Negotiation with the carrierCalls, letters and the re-inspection.

Start with four fields

First name *

Last name *

Phone *

Email *

Use the full form to add the storm date.

One storm, one claim, every damaged part in it

Overhead view of two brown asphalt shingle roofs with vents and a round roof vent

Storm damage on a house · approved

Paid for everything the storm touched

Every affected system was inspected and valued as one loss.

Single-event claim
Full property scope
Settled

“State Adjusting Services helped me to get money from insurance for all the damages I had after a storm.” Marta Babiy

All results

Illinois rules on the carrier’s answer and on our contract

50 Ill. Adm. Code 919.50 and 215 ILCS 5/1575. We are public adjusters, not attorneys.

30 days to pay an agreed amountOnce the carrier affirms liability and the amount is not in dispute, it must offer payment within 30 days.919.50(a)
Our fee is an exact percentage, in writingTaken from each insurance check as it arrives, never all from the first.5/1575(b), (e)
Five business days to change your mindYou may void the contract in writing within 5 business days after your insurer receives its copy.5/1575(j)

What clients wrote after their claims

Very effective representing us. Results couldn’t be better.

Gerry ShacterGoogle review · November 2025

Professional, responsive, on-time, and delivering exactly what they promised every step of the way. Would highly recommend.

Alina RudianynGoogle review · August 2023

Thank you for your help with my roof claim! You delivered on the promise!

Dzhokhar DudayevGoogle review · February 2025

Commercial hail claim questions

(630) 297-8136

Do you handle hail claims on commercial buildings?

Yes. We represent owners of retail, office, multi-family and industrial property in Illinois, as well as homeowners.

The hail was months ago. Is it too late to file?

Often it is not, but your policy sets the time for reporting a loss. See insurance claim deadlines in Illinois.

What does a commercial hail claim cost us?

Nothing upfront. Our fee is a percentage of the recovery, written into the contract before we start. No recovery, no fee.