Hail damage claims in Chicago and across Illinois
The carrier called your roof cosmetic, or paid for one slope. I walk every slope myself, count the hits, record the dented metal, and build the file the insurer has to answer.
- IL Public Adjuster #19461872
- IN Public Adjuster #3556317
- HAAG Certified Inspector
- Licensed IL Roofing Contractor
How a carrier decides a slope is damaged
Each slope is judged on its own.
The impact
A damaging hit fractures the mat under the granules. Wear does not.
The test square
A 10 × 10 ft area is chalked and every hit in it counted.
The decision
Enough hits: the slope is replaced. Too few: cosmetic or wear.
One test square is one roofing square. The hit count a carrier treats as enough is its own guideline; your policy does not state it.
What my hail file puts in front of the adjuster
A square on every slope
Chalked, counted and photographed per elevation, so no slope is judged from another one.
Roofer's pricing
As a licensed roofing contractor I price tear-off, underlayment, flashing and vents that cannot be reused.
The metal inventory
Every dented gutter, vent and wrap listed as its own line, with the photo beside it.
The matching record
The shingle line and colour identified, and the supplier's answer on whether it is still made.
Had hail? Send me what you have before the insurer's visit
I'll tell you if the roof is worth claiming.
+1 224-481-2095 volodymyr@staterestoration.us- Free inspection and policy review, no upfront cost
- Mon–Fri 9–6, Sat 9–5, Sun 10–5
Useful to have ready
- The storm dateEven an approximate one. I confirm it.
- Ground photos of the metalGutters, vents, the AC unit, one wide shot per side.
- The whole policyWith every endorsement, not only the declarations page.
- The carrier's reportIf it already inspected: the estimate and the photos.
Two endorsements that change a hail claim
Usually added at renewal. I look for both first.
Cosmetic damage exclusion
No payment for dents that do not affect function. Common on metal roofs.
- What it changes
- The test-square record carries the whole claim.
Roof surface payment schedule
Pays the roof covering at a percentage set by its age, not at replacement cost.
- What it changes
- The size of the roof payment, not coverage.
Illinois rules for a public adjuster who is also a roofer
I hold both licences, so these apply to me.
- Any pay from a contractor is disclosedA public adjuster must tell you if a firm working on your loss pays them.215 ILCS 5/1590(g)
- You choose who repairs the roofNo contract may give the public adjuster the power to choose who repairs.215 ILCS 5/1590(j)(5)
- No settlement without youOn request, you get the scope, amount and value in writing before you authorise a settlement.215 ILCS 5/1590(k)
Hail claim questions from Illinois homeowners
The adjuster wrote "cosmetic". Is the claim over?
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No. Ask which slopes were walked and the hit count per test square, then check for a cosmetic exclusion.
My neighbour got a new roof after the same storm. Why didn't I?
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Hail falls in swaths, but more often the inspection or the policy endorsements differed.
The storm was months ago. Can I still claim?
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Your policy sets a notice rule and a time limit to sue. Read both, and fix the storm date first.
Should I climb up and look?
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No. Photograph the metal from the ground; walking the roof adds marks.
My licence is issued under Article XLV of 215 ILCS 5. I work for the homeowner, not the carrier, and I am not a lawyer. Hail coverage depends on your own policy, and no result is promised here.