Wind damage roof claims in Illinois
A gust lifts a shingle, creases it and breaks its seal, then it lies flat again. We check every slope by hand and claim what the wind broke.
- $0 upfront
- Fee from the recovery only
- Licensed Illinois public adjusters
- Homes & commercial roofs
Two roof claims we carried through to payment
All results
The wind claim and the new roof, handled by one team
We settled the claim and our construction partner rebuilt the roof, so the homeowner dealt with one team.
- 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 together
Siding and gutters on the same elevations went into the roof claim.
- Roof system
- Siding
- Gutters & downspouts
“Claim approved for full roof replacement, siding and gutters as well!” Oleg Babin
Where wind leaves its marks, and how we answer the carrier
| On the roof | What the carrier often says | What we put in the file |
|---|---|---|
| Creased tabs | “Normal aging.” | Close-ups of the fold at the nail line. |
| Broken seal strip | Not checked from the ground. | Each tab lifted by hand. |
| Missing shingles | “Replace those few.” | A map of losses on the windward slopes. |
| Ridge caps, flashing | Left off the estimate. | Every lifted piece measured and priced. |
| Soffit, fascia, gutters | A separate repair. | Same storm date, same claim. |
How a wind claim gets cut down
- Blamed on the roof’s ageWe tie the damage to the storm date and the wind direction.
- Priced as a handful of shinglesUnsealed tabs around the gaps cannot be reused, so we write the whole slope.
- Paid at a heavy depreciationWe request the depreciation worksheet and check its age and condition figures.
The wind-claim file to start this week
You can gather all of it from the ground.
- Storm date and timeKeep any weather alert you received.
- Shingles on the groundPhotograph them where they landed.
- Every side of the houseOne wide photo per elevation.
- Ceilings and atticNew stains, dated.
- ReceiptsTarps, tree removal, emergency repairs.
- Declarations pageLook for a separate wind or hail deductible.
“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!”
Illinois rules that matter on a wind claim
Older roofs lose the most to depreciation. Know these rules.
Actual cash value on a home policy is replacement cost at the time of loss less depreciation.
50 Ill. Adm. Code 919.80(d)(8)(A)On request, the insurer must show each depreciation deduction with the age and condition it used.
50 Ill. Adm. Code 919.80(d)(8)(A)A public adjuster must tell you before sending you to a roofer they profit from.
215 ILCS 5/1590(f)A public adjuster negotiates your insurance claim and may not practice law.
215 ILCS 5/1590(l)Wind roof claim questions
Only a few shingles came off. Should I still call?
Yes. The gusts that tore them off usually unsealed the shingles around them. We check every slope before you decide to file.
The insurer took a large depreciation. Can I see how?
Yes. Ask for the depreciation worksheet; Illinois rules require the insurer to provide it. We compare its figures with your roof.
A branch fell on the roof in the windstorm. What should I keep?
Photos of the limb before it is moved, the tree service invoice and tarping receipts. They tie the decking and interior damage to that storm.