Storm Damage claims · № 02 of 10
Storm claims with nothing left off the estimate
At a glance
- Licensed Illinois public adjusters
- $0 upfront — fee from the recovery only
- Residential & commercial
- Denied & underpaid claims re-opened
A serious Midwest storm rarely damages just one thing. Wind lifts shingles, hail bruises the siding, a downed branch cracks the fence, and by morning there is a water stain spreading across the dining-room ceiling. Each piece of that loss is covered — but only if each piece makes it into the claim, valued correctly.
Carriers like to split storm losses into small, separately-deductible pieces or settle the obvious roof damage while the interior, fencing and outbuildings quietly disappear from the estimate. We document the entire loss as one event, on your timeline, and hold the carrier to the full scope.
What the damage looks like
- Missing, lifted or creased shingles after high wind
- Water stains on ceilings or around window heads after the storm
- Dented or cracked siding, gutters and downspouts
- Damaged fences, sheds, garages and other structures on the property
- Tree or branch impact on any part of the structure
What carriers routinely leave out
- Interior water damage traced to storm-created openings
- Detached structures — fences, sheds, gazebos — covered under "other structures"
- Temporary repairs, tarping and debris removal you paid for out of pocket
- Additional living expenses if part of the home was unusable
Every item on this list is money. Our job is making sure each one is documented, valued and in the claim.
State Adjusting Services helped me to get money from insurance for all the damages I had after a storm. I am so happy with the service and how they handled my situation. Thank you.
Storm Damage questions, answered
The insurance company wants to treat my storm damage as two claims. Why does that matter?
Two claims can mean two deductibles and two negotiations. If one storm caused the loss, it is one occurrence — we document the weather event and the damage chain so the claim is handled, and paid, as a single loss.
Should I make temporary repairs before the adjuster comes?
Yes — your policy requires you to prevent further damage, and reasonable emergency repairs are reimbursable. Photograph everything first, keep every receipt, and don’t authorize permanent repairs until the full scope is agreed.
The carrier’s adjuster spent 20 minutes here. Is that a real inspection?
It’s a triage visit. A complete storm inspection covers the roof, every elevation, interior tracing and detached structures — ours typically takes hours, and the difference shows up directly in the settlement.
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