Insurance Claims Assistance
in Chicagoland

Step 1: Damage Assessment

Before you file, we inspect your roof and document all damage. This gives you information to discuss with your insurance agent. We identify: - Primary damage (hail, wind, fallen tree) - Secondary damage (water intrusion from primary damage) - Pre-existing conditions (wear, age, previous repairs) - Code upgrade requirements

Step 2: Claim Filing

You file a claim with your insurance company, reporting the date and type of damage. The insurance company assigns an adjuster to your claim.

Step 3: Adjuster Inspection

The adjuster inspects your roof. This is critical. We meet with the adjuster on-site, walking the roof together, pointing out damage, and ensuring nothing is missed. Adjusters handle dozens of claims -they're busy and sometimes overlook damage.

Step 4: Initial Estimate

Insurance issues an estimate based on the adjuster's findings. This estimate includes: - Actual Cash Value (ACV): Replacement cost minus depreciation - Recoverable depreciation: Amount released after repairs complete - Your deductible: What you pay out-of-pocket

Step 5: Estimate Review

We review the insurance estimate against actual repair requirements. Common issues include: - Underestimated quantities - Missed damage items - Insufficient allowances for code upgrades - Missing overhead and profit for contractor

Step 6: Supplements (if needed)

When the insurance estimate falls short, we file supplements documenting additional damage or costs. This is paperwork-intensive but often increases claim payouts by $2,000-5,000 or more.

Step 7: Repair Completion

Once the claim is approved, we schedule repairs. After completion, you sign off on work, receive warranty documents, and insurance releases any recoverable depreciation.

Hail Damage: Chicago's most common roofing claim. Hail patterns are documented by date, allowing us to verify storm dates with your claim.

Wind Damage: Covered by most policies, but adjusters sometimes attribute wind damage to wear. We document directional patterns proving wind causation.

Fallen Trees: Tree damage is typically covered. If the tree was dead or known hazardous, coverage may be limited.

Water Damage: Interior water damage following roof damage is covered. Slow leaks from neglected maintenance are often excluded.

Areas We Serve:: We handle insurance claims throughout Cook County (Orland Park, Tinley Park, Oak Lawn, Palos Heights, Homewood, Matteson), Will County (Frankfort, Mokena, New Lenox, Joliet, Lockport), and DuPage County (Naperville, Downers Grove, Westmont, Hinsdale, Elmhurst).