Storm damage? Emergency services available 24/7 — Call (224) 202-7770
Storm damage is stressful enough. Let IJG Construction LLC handle the insurance claim process from start to finish — at no upfront cost to you.
Illinois experiences some of the most severe weather in the Midwest — from powerful hailstorms in the Chicago suburbs to straight-line winds that tear through Rockford, Naperville, and communities across the state. If your home has suffered storm damage in the last 12 months, your homeowners insurance may cover the full cost of repair or replacement.
Many homeowners don't realize how severe their roof damage is until water starts appearing inside — or they simply don't know how to start the insurance claim process. That's where IJG Construction LLC comes in.
Our team provides free damage inspections, thorough documentation, and step-by-step guidance through every phase of your claim. We work directly with your insurance adjuster to ensure you receive the full settlement your damage warrants.
Important: Illinois insurance policies typically require claims to be filed within 12 months of the damage event. Don't wait — contact us today for a free inspection before your window closes.
Free, detailed roof damage inspection
Professional damage documentation for your claim
We attend the adjuster meeting with you
Supplemental claim filing if settlement is insufficient
No out-of-pocket cost beyond your deductible
A+ BBB rated — insurance companies take us seriously
Most standard homeowners policies cover sudden, accidental damage from storms. Here's a breakdown of what's typically covered and what's not:
| Damage Type | Typically Covered? | Common Illinois Cause | Notes |
|---|---|---|---|
| Hail damage to shingles | Yes | Spring/summer hailstorms | Must exceed insurer's damage threshold |
| Wind damage / missing shingles | Yes | Thunderstorm winds 55+ mph | Document with date-stamped photos |
| Tree / branch fall | Yes | Severe thunderstorms, ice storms | Covers structural damage and debris removal |
| Ice dam damage | Yes | Illinois winters | Water intrusion from ice dams often covered |
| Lightning strike | Yes | Summer thunderstorms | Fire and structural damage both covered |
| Normal wear and tear | No | Aging shingles, weathering | Maintenance is homeowner responsibility |
| Improper installation | No | Pre-existing workmanship issue | Warranty claim — not insurance claim |
| Neglected maintenance | No | Deferred repairs over years | Document regular maintenance to avoid disputes |
Illinois-Specific Note: The Chicago metropolitan area and surrounding regions experience significant hail activity each year, particularly March through October. Even hail that appears small (3/4 inch or larger) can cause significant granule loss and functional damage that qualifies for an insurance claim.
Payout amounts vary based on your policy, roof size, materials, and the extent of damage. Here's a general guide:
| Roofing Material | Average Payout Range | Depreciation Factors | Typical Scenario |
|---|---|---|---|
| 3-Tab Asphalt Shingles | $8,000 – $14,000 | Roof age, condition | Full replacement after major hail event |
| Architectural Shingles | $12,000 – $22,000 | Manufacturer, age | Most common claim type in Illinois |
| Metal Roofing | $18,000 – $35,000 | Metal type, gauge | Denting from large hail |
| Wood Shake | $20,000 – $40,000 | Species, treatment | Wind damage, storm splitting |
| Flat / TPO Commercial | $10,000 – $28,000 | Square footage, membrane type | Hail punctures, seam failure |
* Estimates based on typical Illinois market rates. Actual payouts depend on your policy terms, deductible, and specific damage assessment. IJG Construction provides free estimates to help you understand what to expect.
Pays the depreciated value of your roof based on age and condition.
Pays the full cost to replace your roof with like materials. Better coverage.
We document all damage to ensure you receive the maximum settlement you're entitled to.
We guide you through every step. Here's what to expect from the moment you call IJG Construction to the day your new roof is complete:
Our certified inspector thoroughly examines your roof for hail dents, wind damage, missing shingles, and other storm-related damage — at no cost to you.
We photograph and document all damage in detail, creating a comprehensive report that strengthens your insurance claim and leaves little room for dispute.
We help you contact your insurance company and file your claim promptly. Most policies require claims to be filed within 12 months of the damage date.
We meet your insurance adjuster on-site to walk them through all documented damage, ensuring nothing is overlooked during their assessment.
We review the insurance company's scope of loss with you to ensure it covers all necessary repairs. If items are missing, we file a supplemental claim.
Once your claim is approved, we schedule and complete all repairs or replacement using premium materials — typically within 1–2 weeks of approval.
We conduct a thorough final walkthrough with you to ensure the work meets our quality standards and your complete satisfaction before closing out the project.
Illinois insurance claims typically follow this timeline:
| Phase | Typical Timeframe | Who's Involved | What Happens |
|---|---|---|---|
| Inspection & Documentation | 1–3 days | IJG Construction | Free damage assessment and photo documentation |
| Claim Filing | 1–2 days | You + IJG + Insurer | Official claim submitted to your insurance company |
| Adjuster Assessment | 7–21 days | Insurance Adjuster + IJG | Insurer sends adjuster to evaluate damage |
| Settlement Review | 3–10 days | Insurer | Insurance processes assessment and issues settlement offer |
| Supplemental (if needed) | 7–14 days | IJG + Insurer | Additional items documented and added to claim |
| Roof Replacement | 1–3 days | IJG Construction | Crew completes all approved work |
Total time from first call to completed roof: typically 30–60 days. Complex claims or busy seasons may extend timelines.
Illinois policies typically have a 12-month window from the date of damage. Many homeowners miss this deadline because they don't realize the damage is covered. Call us immediately after any storm event.
Adjusters need clear evidence of storm-caused damage. Vague or insufficient documentation is a top cause of claim underpayment. Our detailed reports prevent this issue.
Insurers often try to classify storm damage as normal wear and tear. Our professional inspection and documentation clearly distinguishes impact damage from age-related deterioration.
Insurance adjusters may overlook damage to gutters, siding, skylights, and other components. IJG performs a comprehensive property inspection to capture all storm-related damage.
The first offer from your insurance company is rarely the final offer. We review every settlement and file supplements when the scope is incomplete or undervalued.
Insurance companies can use unlicensed or out-of-state contractors as grounds to reduce or deny claims. IJG is fully licensed and insured in Illinois — giving your claim credibility.
A licensed roofing contractor with insurance claim experience is one of the most valuable advocates you can have in the claims process. Unlike a public adjuster (who charges a percentage of your settlement), IJG Construction provides claim support at no additional cost — we're paid by your insurance company when repairs are completed.
Conduct a thorough free inspection and document all damage with professional photos and measurements
Prepare a detailed scope of loss that aligns with industry-standard pricing (Xactimate software)
Attend the insurance adjuster meeting to advocate on your behalf
File supplemental claims when initial settlements are insufficient
Complete all approved repairs with quality materials and our workmanship guarantee
Illinois homeowners lose thousands in legitimate insurance settlements every year simply because they didn't know where to start. Let IJG Construction guide you through the process for free.
