Insights
Claims, explained in plain English.
Volodymyr writes the State Restoration Knowledge Centre — practical roofing, storm and insurance guides for Chicago-area homeowners. Start with these.
How to File a Storm-Damage Roof Claim in Illinois
The full sequence — deadlines, documentation, and the mistakes that quietly shrink settlements.
Read in the Knowledge Centre MoneyWhat Is Recoverable Depreciation on a Roof Claim?
The second check most homeowners never collect — and how to make sure you do.
Read in the Knowledge Centre DamageHail Damage on an Asphalt Roof: What to Look For
Bruises, mat fractures and granule loss — reading hail damage the way a HAAG inspector does.
Read in the Knowledge Centre ChecklistStorm Damage Checklist for Chicago Homeowners
What to photograph, what to save, and who to call in the first 48 hours after a storm.
Read in the Knowledge Centre EstimatesWhat Is O&P on an Insurance Estimate?
Overhead & profit explained — when the 20% applies and why adjusters leave it off.
Read in the Knowledge Centre EstimatesWhat Is RCE in Insurance?
Replacement-cost estimates decoded, line by line, so the numbers stop being a mystery.
Read in the Knowledge Centre MoneyHow to Recover Depreciation on an Insurance Claim
The paperwork and proof insurers require before they release the held-back amount.
Read in the Knowledge Centre CoverageCode Upgrade Coverage on a Roof Claim, Explained
Ordinance & law coverage can pay for required upgrades — if you know to invoke it.
Read in the Knowledge Centre AdviceStorm Chasers vs. Local Roofer: How to Choose
Red flags that follow every big storm through Illinois — and how not to get burned.
Read in the Knowledge CentreBefore you accept the insurer's number, get a second opinion.
The consultation and the property inspection are free. If I can't add value to your claim, I'll tell you straight — no pressure, no obligation.