Called maintenance
Clogged gutters or poor venting get the blame. We document the weather, the ice and the date the water appeared.
Ice dam and snow damage insurance claims in Illinois
Ice dams push meltwater under the shingles; heavy snow loads the rafters. We trace the damage from the eave to the ceiling and claim all of it.
- $0 upfront
- Fee from the recovery only
- Licensed Illinois public adjusters
- Residential & commercial
Where ice dam water goes before you see the stain
The stain is the last stop. First estimates often price only that stop.
- Ice ridge at the eaveProof of the cause
Meltwater backs up behind it. Photograph it before anyone chips it off.
- Shingles & underlaymentOften left out
The lower courses lift and the underlayment soaks through.
- Gutters, fascia, soffitOften left out
Ice weight bends gutters and pulls hangers loose.
- Attic insulationOften left out
Wet insulation holds water against the framing.
- Ceilings & wallsUsually priced
Stained drywall, swollen window heads, blistered paint.
Why ice and snow claims come back short
Only the stain is paid
Drywall gets priced, the eave and insulation do not. We write every material the water reached.
Reported after the thaw
Policies ask for prompt notice, and a thaw melts the proof. We help you report while the ice is still there.
Two roof claims we settled
All results
Full roof, siding and gutters, all in one approval
Siding and gutter damage on the same elevations went into the roof claim. The carrier approved the full scope.
- Roof system
- Siding
- Gutters & downspouts
“Thank you for great service!” Oleg Babin
One weather event, priced as one loss
Every affected system was valued together, so the settlement matched the real damage.
- Single-event claim
- Full property scope
- Settled
“I am so happy with the service and how they handled my situation.” Marta Babiy
Ice dam or snow load: two different claims
| Ice dam water | Heavy snow load | |
|---|---|---|
| What happened | Meltwater leaked in under the shingles | Snow weight bent or cracked the framing |
| Policy part | The resulting water damage | The collapse provision and its definition |
| Carrier’s usual argument | Poor venting or clogged gutters: wear | The roof was weak, or snow should have been cleared |
| What to save | Dated photos of the ice and the first leak | Photos of the sag and the snow depth |
What Illinois law says about the adjuster you hire
From the conduct rules in Section 1590 of the Illinois Insurance Code.
- You choose who repairs the roofNo contract may give a public adjuster the power to pick your contractor.215 ILCS 5/1590(j)(5)
- You can file without usA public adjuster may not tell you its services are required to submit a claim.215 ILCS 5/1590(m)
- One side on each claimYour public adjuster may not also be the insurer’s adjuster on that claim.215 ILCS 5/1590(j)(3)
“The company replaced our roof. It was fast and quality. They are honest and it was very comfortable to work with them.”
4.934 Google reviewsRead them
How a winter claim works with us
- Free policy reviewThe water and collapse wording, read first.
- Roof-to-ceiling inspectionEaves, gutters, attic and rooms below, photographed.
- Estimate & negotiationThe water’s whole path, priced at replacement cost.
- You get paid, then we doOur fee comes from the recovery.
Does homeowners insurance cover ice dam damage in Illinois?
Many policies cover the sudden water damage an ice dam causes inside; upkeep is not covered. Your policy wording decides it, so we read it first.
My roof sagged under heavy snow but did not fall in. Can I claim it?
Possibly. It depends on how your policy defines collapse. We document the sag, with an engineer’s report when needed, against that definition.
Should I remove the ice dam before the insurance adjuster comes?
Photograph the ice and the interior first, with the date. Then stop any leak and keep the receipt.