State Adjusting Services

Wind Damage claims · № 03 of 10

Wind damage is a roof failure in slow motion

$0 upfront Res + Com properties Denied? We re-open

At a glance

  • Licensed Illinois public adjusters
  • $0 upfront — fee from the recovery only
  • Residential & commercial
  • Denied & underpaid claims re-opened
(630) 297-8136

Wind doesn’t need to tear shingles off to total a roof. A 60-mph gust that lifts a shingle for half a second creases it at the nail line and breaks the adhesive seal — the shingle lies back down looking normal, and fails in the next storm. Carriers love roofs like this: from the ground they look fine, so the claim gets denied or priced as a handful of repairs.

We walk every slope and lift shingles by hand, documenting creases, broken seals, exposed nail heads and flexible-mat fractures. When the pattern of damage is mapped honestly, "a few missing shingles" often turns out to be a roof that can no longer do its job — and the claim is negotiated on that reality.

What the damage looks like

  • Shingles missing entirely or hanging out of line
  • Horizontal crease lines across shingle faces
  • Flapping or lifting edges in moderate wind
  • Leaks appearing after windy days without heavy rain
  • Damaged ridge caps, hip shingles and flashing

What carriers routinely leave out

  1. Broken adhesive seals — invisible from the ground, fatal in the next storm
  2. Creased shingles counted as "repairable" when they are functionally destroyed
  3. Wind-driven rain entering through created openings
  4. Fence lines, sheds and detached garages hit by the same wind event

Every item on this list is money. Our job is making sure each one is documented, valued and in the claim.

Thank you for your help with my roof claim! You delivered on the promise!

Dzhokhar Dudayev · Google review · February 2025

Wind Damage questions, answered

Only a few shingles blew off. Is that worth a claim?

Often yes — missing shingles are the visible tip. The same gust that removed them usually creased and unsealed neighbours across the slope. A proper inspection determines whether you have a small repair or a compromised roof.

What wind speed does it take to damage a roof?

Gusts of 50–60 mph can crease and unseal asphalt shingles, and older or poorly fastened roofs fail at less. What matters for the claim is the documented damage, not a wind-speed threshold.

My carrier blamed "wear and tear" instead of wind. Now what?

That’s the most common wind-claim denial, and it’s frequently beatable. Wind damage has a directional, storm-dated pattern that age doesn’t produce — we document that pattern and challenge the denial with evidence.

Free claim review · No obligation

Find out what your claim is actually worth.

One conversation. We read the policy, look at the damage and give you a straight answer — even if that answer is "you don’t need us."