Denied for “no heat”
We answer with thermostat, gas and furnace records.
Frozen pipe insurance claims in Illinois
Was the heat kept on, or the water drained? We collect the records that answer it and claim the whole water loss.
- $0 upfront
- Fee from the recovery only
- Licensed Illinois public adjusters
Three places a frozen pipe claim loses money
Pipe and water mixed up
The pipe is usually excluded; the water damage and tear-out are not.
Scope stops at one room
We take moisture readings in every room beside and below the break.
The freezing condition: two ways to meet it
Freeze damage is excluded unless you did one of these.
You kept heat in the building
- thermostat set point and history
- gas or electric usage that week
- HVAC invoice naming the failed part
You shut off the water and drained the system
- plumber’s winterization invoice
- photos of the drain valves
- dates nobody lived there
Sprinklered commercial buildings: keep the heat and the sprinkler water on.
Two claims where we argued the full scope
All results
Roof claim and rebuild, handled end to end
- Claim negotiated
- Roof rebuilt
- One point of contact
“Thank you for your help with my roof claim and roof construction!” Anastasiia Karvatska
Siding melted by a grill, replaced in full
- Full siding replacement
- Matching argued and won
- Inspection passed
“Guys got me approved for the full siding replacement on the house.” Aleksey Babin
Records that decide the claim, and where they go
| Record | Where it is | What to do today |
|---|---|---|
| Thermostat | Wall and app | Photograph the set point; export the app history. |
| Energy usage | Utility account | Save the daily view for the freeze week. |
| Furnace report | HVAC technician | Get the failed part named in writing. |
| The split pipe | Plumber’s truck | Keep the cut-out section. |
| Moisture readings | Mitigation company | Readings of every room before drywall comes out. |
What Illinois law expects from your insurer
From the Illinois Insurance Code’s list of improper claims practices.
Prompt
Your claim letters and calls must be acknowledged with reasonable promptness.
215 ILCS 5/154.6(b)Good faith
Once liability is reasonably clear, the insurer must try to settle promptly and fairly.
215 ILCS 5/154.6(d)No repeats
Making you verify the same facts twice, on a preliminary report and then proof-of-loss forms, is listed.
215 ILCS 5/154.6(m)Complaint
You can complain about an insurer to the state online, by email or by mail.
Illinois Department of InsuranceFound water after a freeze? Start here
- Free policy reviewWe read your freezing condition and say whether you need us.
- The heat recordCollected before it changes.
- Negotiation, then our feeFrom the recovery only.
Water losses and claim help, in our clients’ words
My experience with State Adjusting Services was smooth — they helped us work around insurance with our flooded basement. The workers were polite! Definitely recommend!
Yaryna DovhanGoogle review · May 2025
Great guys and great service. Got my check right away and had no issues to repair my floor.
Alex ButsGoogle review · November 2020
Thank you for helping with my claim.
Cristina TurcanGoogle review · August 2023
Frozen pipe claim questions from Illinois owners
Does homeowners insurance pay for frozen pipes in Illinois?
Usually the water damage and the tear-out to reach the pipe are covered if heat was kept on, or the water was shut off and drained. Repairing the pipe itself is usually excluded.
The furnace failed overnight. Did we still “maintain heat”?
Reasonable care does not mean a furnace that never breaks. A thermostat set to a normal temperature and a technician’s invoice naming the failed part are the evidence.
The house was empty for the winter. Is there still a claim?
Possibly. Vacancy brings stricter wording, and the question becomes whether the plumbing was drained. We are public adjusters, not attorneys.