When Should You File a Claim?
File a homeowners insurance claim when your roof has been damaged by a covered peril — typically wind, hail, falling trees, or fire. In Illinois, most standard homeowner policies cover sudden, accidental damage but exclude wear-and-tear or maintenance neglect. If a major storm has passed through your area and you notice missing shingles, dents in flashing, or interior leaks, it is time to start the process.
Timing matters: Illinois law gives you one year from the date of loss to file a property damage claim under most policies. Waiting too long can result in a denied claim, so act promptly after discovering damage.
Document Everything
Before calling your insurance company, document the damage thoroughly. Take clear photos and video from multiple angles — ground level, close-ups if you can safely access the roof, and any interior damage like water stains or ceiling leaks. Note the date the storm occurred and save any weather alerts or news reports confirming severe weather in your area.
Keep a written log of all communications with your insurance company, including the names of representatives, dates of calls, claim numbers, and what was discussed. This documentation becomes invaluable if your claim is disputed.
Working with Your Insurance Adjuster
Your insurance company will send an adjuster to inspect the damage. You have the right to be present during this inspection, and it is highly recommended. Having your roofing contractor meet the adjuster on-site is one of the most effective ways to ensure all damage is identified and documented — adjusters are thorough but they can miss concealed damage that an experienced roofer knows to look for.
If the adjuster's initial assessment seems low, you can request a re-inspection or file a supplement claim with additional documentation from your contractor. You also have the right to hire a public adjuster to represent your interests, though they typically charge 10-15% of the claim payout.
Your Contractor's Role in the Claims Process
A good roofing contractor will assist with the claims process at no additional charge. At Cornerstone Roofing Co., we provide a free damage inspection, a detailed scope-of-work estimate written in the same Xactimate format insurance companies use, and we meet with your adjuster during their inspection to walk through every damage point.
We do not ask you to sign any contracts before your claim is approved, and we never pressure you to move forward if the claim is denied. Our goal is to be a resource and advocate throughout the process so you receive the coverage your policy entitles you to.
Common Pitfalls to Avoid
Never accept a door-to-door storm chaser's offer to 'cover your deductible' — this is insurance fraud in Illinois and can result in your claim being voided and legal consequences. Always verify that your contractor is licensed, insured, and established in the community before signing any agreement.
Don't make permanent repairs before the adjuster inspects the damage, as this can complicate your claim. Temporary protective measures — like tarping a hole — are fine and should be documented. Finally, review your policy's deadlines for filing claims and completing repairs to avoid losing coverage.