Priced from the outside
A catastrophe adjuster sees the roof and misses racked walls. We bring in an engineer when the frame moved.
Tornado damage insurance claims in Illinois
A tornado claim reaches past the roof: framing, fences, debris, contents and time away from home. We document every part and negotiate it.
- $0 upfront
- Fee from the recovery only
- Residential & commercial
Wind and hail claims we settled for the same roof, siding and gutters
All results
The roof claim negotiated, then the roof rebuilt
We settled with the carrier; our construction partner did the build.
- Claim negotiated
- Roof rebuilt
- One point of contact
“Thank you for your help with my roof claim and roof construction!” Anastasiia Karvatska
Roof, siding and gutters approved in one claim
Siding and gutters on the same elevations went into one claim.
- Roof system
- Siding
- Gutters & downspouts
“Claim approved for full roof replacement, siding and gutters as well!” Oleg Babin
The parts of your policy a tornado claim draws on
- DwellingRoof framing, walls, windows and the house itself.Keep: photos of every elevation and the attic
- Other structuresDetached garage, fence, shed. A separate limit estimates often skip.Keep: a list of every structure on the lot
- Personal propertyFurniture, clothing and electronics ruined by wind or rain.Keep: a room-by-room inventory
- Loss of useHotel, rent and extra meals while the home cannot be lived in.Keep: every receipt, dated
- Debris removalHauling away fallen trees and the wreckage of the structure.Keep: the hauler’s invoice
Where tornado claims lose money
Depreciation held back
The first check is often actual cash value. We track what is still owed once repairs are done and claim it.
Signed with the first contractor
Door-knockers build to the carrier’s number. We negotiate the scope first.
“Throughout the adjustment process, they kept me updated every step of the way. But most importantly, the results they delivered were outstanding — they negotiated a settlement that exceeded my expectations and covered all of my damages.”
4.934 Google reviewsRead them
Records to keep in the first week after the tornado
- Day 0Photograph before you move anything
Every elevation, every room, the yard and each structure.
Video walk-through with the date on - Day 1Cover the openings
Tarp and board up so rain adds no second loss.
Board-up and tarp invoices - Day 2Report the claim
Get a claim number in writing. Hold off on a recorded statement until we talk.
Claim number and adjuster’s name - Day 3–7List what you lost
Room by room, with age and price.
Inventory and lodging receipts
Illinois rules for anyone who handles your tornado claim
From the Illinois Insurance Code.
- 10% cap after a declared disasterOn a commercial building after a Governor’s disaster declaration, unless the Director approves more.215 ILCS 5/1570(d)
- Board-up ties disclosedAny financial interest in a contractor or board-up company on your claim is disclosed in writing.215 ILCS 5/1575(d)
- Checks not in our name onlyThe contract may not require your insurer to pay the claim only to the adjuster.215 ILCS 5/1575(e)(2)
- 15 business daysIf you cancel in time, anything you paid comes back within 15 business days.215 ILCS 5/1575(k)
Get your tornado claim reviewed for free
- Tell us the address and the datePhotos and the policy help.
- We read the declarations pageEach limit, the deductible, and whether you need us at all.
- We inspect, price and negotiateA share of the recovery is our fee. Nothing upfront.
Tornado claim questions we hear most
The insurer’s adjuster already left a check. Can the amount still change?
Often, yes. Missed items can be added with a supplement backed by new documentation. Send us the estimate and we will show what it leaves out.
The house is standing but the doors stick and walls cracked. Repair or rebuild?
They can mean the frame moved. A structural engineer decides that, and we price the scope the report calls for.
A contractor offered to deal with our insurance company. Is that allowed?
In Illinois, negotiating a claim for you requires a public adjuster license. A contractor can estimate and repair.
Do you handle tornado claims on commercial buildings?
Yes. A commercial loss usually adds business income, proven from your books.