State Adjusting Services
(630) 297-8136 Free Claim Review
Overhead view of a house with a grey shingle hip roof, a flat roof section at the back and old shingles piled beside it

Hail damage insurance claims in Illinois

One hailstorm bruises shingles, dents gutters and cracks siding at once. We record every mark and claim it together.

Free Hail Claim Review (630) 297-8136
  • $0 upfront
  • Paid only from your recovery
  • Homes and commercial roofs

Start with four fields

Prefer to write more? Use the full form. We use your details only to review your claim.

Where hail leaves marks, and how we prove each one

Surface

What the carrier’s estimate often says

What we record

Shingles

“Granule loss from age.”

Bruises and fractured mats counted in a test square on every slope, back slopes too.

Vents, flashing, gutters

Left off, or listed as cosmetic.

Dents measured. Soft metal shows hail size and direction.

Siding and window wraps

Paid on one wall only.

Every elevation that faced the storm, cracks marked.

AC condenser, skylights, sheds

Not inspected at all.

Bent fins, cracked domes and outbuilding roofs added to the same loss.

A hail claim we settled: roof, siding and gutters

Aerial view of a house with new light-grey shingles, with lumber and a ladder laid along the driveway
Hail damage · approved

Full roof replacement, siding and gutters, all approved

The roof was the obvious damage. The dents in the siding and gutters on the same elevations went into the same claim instead of being left to the homeowner, and the carrier approved the full scope.

  • Roof system
  • Siding
  • Gutters & downspouts
See all results

What the insurer argues on a hail claim

  1. “It’s only cosmetic”We document functional damage separately: cracked mats, lost granules, broken seals.
  2. “That was an older storm”We match fresh impacts to the reported storm date.
  3. “Repair one slope”New shingles that do not match the rest of the roof. We show the mismatch and claim what your policy language supports.
Top-down view of a house with a light-grey shingle roof, a fenced back yard with a patio and two small sheds
Top-down view of a house with a dark grey shingle roof, a covered in-ground pool and a fenced back yard

Your first week after the hail

Five things that help prove the claim, and one to avoid.

  • Write down the date and timeHail claims are matched to a storm date.
  • Photograph hailstonesNext to a coin or a ruler, before they melt.
  • Shoot the soft metalGutters, vents, the AC unit and your car.
  • Cover openings and keep receiptsTarps and board-up are part of the loss.
  • Keep damaged piecesShingles and screens stay until photographed.
  • Do not sign at the door at nightIllinois bars public adjusters from soliciting you between 7 p.m. and 8 a.m.

Roof claims, in our clients’ words

Had our roof replaced with this company. Extremely happy with the outcome. Highly recommend! A++++
Irina GarbarGoogle review · April 2023
My experience with the company was great! They helped me with my roof claim and made the whole process so much easier. They explained everything clearly, and got it all covered through my insurance. Definitely recommend!
Anna-Evelina TrushGoogle review · May 2025
Thank you for your help with my roof claim! You delivered on the promise!
Dzhokhar DudayevGoogle review · February 2025

Illinois rules that matter after a hailstorm

Hail brings door-knockers. The Illinois Insurance Code sets these limits on public adjusters.

7 p.m.–8 a.m.

No offer to represent you in these hours, or while the storm is still going on.

215 ILCS 5/1590(b)
Each check

The fee is a share of each insurer check, never the whole fee from the first one.

215 ILCS 5/1575(e)(1)
Your roofer

The contract may not give the adjuster the power to choose who repairs your roof.

215 ILCS 5/1590(j)(5)
Disclosed

Any pay tied to your loss must be disclosed to you in writing, with its source and amount.

215 ILCS 5/1590(h)

How we handle your hail claim

  1. Send the storm datePlus photos and the policy, if you have them.
  2. Policy read, freeWe tell you whether the claim needs us.
  3. Roof-to-ground inspectionEvery slope, elevation and outbuilding, photographed.
  4. Negotiated, then paidOur fee comes from the recovery. Nothing upfront.

Hail claim questions from Illinois property owners

My insurer called the hail damage cosmetic. Does that end the claim?

Not by itself. Your policy wording decides whether cosmetic damage is excluded, and functional damage such as cracked mats is documented apart from the dents.

The hailstorm was months ago. Can I still file?

Often yes. Your policy sets the time limit for reporting a loss; we check it, then link the damage to the storm with weather records.

A roofer knocked after the storm and wants a signature today. What should I check?

A roofing contract is not a public adjuster contract, and in Illinois a public adjuster cannot take the power to pick your roofer. Call us before you sign.