Insurance Restoration Services in Chicago
Storm damage to your roof, siding, windows, or garage doors? Horizon Restoration works directly with your insurance company — from the first inspection through the final repair. We handle the paperwork so you don’t have to.
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A Reputation You Can Trust
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We believe that an excellent reputation comes from quality service and a dedication to customer care.
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Named Best Roofing Contractor in Chicago by Forbes Home in 2024
4.8
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Why Homeowners Choose Horizon Restoration
We handle the details that make or break an insurance claim — so you can focus on getting your home back to normal.
Free Property Inspection
We inspect before you file — no cost, no obligation.
Detailed Written Reports
Photos and documentation your adjuster can work with.
On-Site Adjuster Meetings
We meet your adjuster and present the damage clearly.
Manufacturer Certified
Certified to install multiple roofing and siding systems.
Direct Insurance Communication
We talk to your insurer so you do not have to.
No Work Until You're Ready
We do not start until your claim is settled and you are comfortable.
Insurance Claim Replacement
Your contractor needs to speak the same language as your adjuster. We have handled hundreds of insurance claim roof replacements across Chicagoland and know exactly what adjusters look for and how to present damage so nothing gets overlooked.
Building codes vary by town, and those details can affect whether an insurance claim is approved as a repair or a full roof replacement. That is why Horizon Restoration uses software to automatically pull the relevant roofing codes for the municipality where each home is located. We review those code requirements against the damage found on the roof, then use that information to build a complete, code-compliant scope for the insurance claim.
For example, Palatine has specific requirements for low-slope roofing: asphalt shingles are not permitted on roof slopes below 2:12, and slopes between 2:12 and 4:12 require double underlayment. Bolingbrook doesn’t have those low-slope requirements, but states ice barrier must run from the eave edge to a point 30 inches horizontally from the inside of the exterior wall. These local differences can change what work is covered by insurance companies to properly restore a storm-damaged roof.
If you are paying your deductible either way, your roof should be restored to the full code-compliant scope you legally qualify for, not limited to the smallest repair an insurance company initially approves. Horizon Restoration identifies the applicable local codes, documents what applies to your roof, and works with your adjuster to help get the proper scope approved from the beginning.
This Oswego home was fully covered by insurance
Overall great experience! Julius was fantastic to work with. He was very attentive to all the details and always there to answer questions and get the job done right. Whenever he said he would take care of something, he took care of it. The crew did a fantastic job and the workmanship was top notch. I can not believe how quickly they did a full replacement of our sheathing and roof shingles and still did a high quality job. They left the worksite spotlessly clean. We are getting lots of compliments from our neighbors on how good our roof looks. If you want your roof done right, go with this company.
Paul, thank you so much to you and your entire team for our beautiful new roof. We couldn't have made a better choice. Thank you for all your help with the insurance paperwork and for making the whole process so smooth. We highly recommend Chicago Horizon Restoration Roofing Company to anyone looking for quality work and outstanding service! Pamela & Steve
Horizon Restoration did an amazing job on my roof! Paul was fantastic to work with. Super responsive, most important he was honest and really cared about making sure everything was done right. He made what could have been a stressful process feel easy. The crew was fast, clean and very professional. I’m really happy with the result and would definitely recommend them.
Our sales specialist Ronny was awesome through the whole initial process and quoted me a very reasonable estimate to re-shingle garage roof and repair main roof shingles that blew off from heavy winds. The crew came and did an excellent job in one day and left the area clean as it was before. Will definitely use Horizon again and recommend them to everyone that needs any type of roofing work! -Ignacio
Our contact at Horizon Restoration was Art. He worked with our insurance company for over a year and a half to have our roof and siding replaced. The other persons behind the scenes at the office who were instrumental in assisting Art were Paul-Manager, Ruby-who was in charge of all correspondence, Jack-Install Manager who coordinated the crews for both the siding and roof, Claudio-On Site Roofing Manager and Mike-On Site Siding Manager. They worked seamlessly as a team and were always available when we had any questions or concerns. It is so nice to have Horizon Restoration going to bat for us. Especially Art whose experience and knowledge was so key in getting our insurance company to approve the replacement of our roof and siding. Our roof and siding look so nice we highly recommend Art and Horizon Restoration to anyone in need of their services. Thank you Art and Horizon for everything.
Storm, Hail & Wind Damage Roof Repair
Chicago storms do not give warnings. One minute it is calm, the next your roof is taking hits from hail, wind, or falling debris. Storm damage roof repair is our busiest service from late spring through fall.
Hail Damage
- Dents in gutters, vents, and flashing weakens seals and collect dirt over time
- Cracked granule surface on shingles exposes the underlayment to UV rays - shortens roof life
Storm Damage
- Cracked or broken tiles from falling branches
- Missing or lifted shingles
- Water stains on ceilings or in the attic
Wind Damage
- Lifted or torn-off shingles exposing underlayment
- Broken seal strips making shingles vulnerable
- Pulled flashing from walls, chimneys, and vents
Some damage is obvious. A lot of it hides in plain sight. Small hail hits can weaken shingles without cracking them, then leaks show up months later. That is why a proper inspection matters before you file anything with your insurance company. Our crew documents everything with photos and detailed reports.
Our Insurance Restoration Process
From inspection to final repair, we handle every step so you don’t have to navigate the insurance process alone.
1
Free Inspection
We inspect your roof, siding, windows, or garage doors and document all damage with detailed photos.
2
Property Report
You receive a written property report before filing anything — so you and your adjuster start with the same facts.
3
Adjuster Meeting
We meet your insurance adjuster on-site, walk through the findings, and make sure the full scope of work is covered.
4
Installation
Once the claim is approved, our licensed crew handles the full restoration to manufacturer specifications.
Call a Contractor Before You Call Your Insurance Company
Filing an insurance claim can feel like a mess — most Chicago homeowners have never done it before. Timing matters. File first, and you risk missing damage that should be documented.
We inspect your property and give you a detailed report before you file. That way, you know exactly what is going on and your adjuster gets the full picture from day one. It is the single most important step in the claim process.
The biggest mistake homeowners make is accepting the first estimate from an adjuster without a second opinion. That initial number is often too low to properly repair the damage.
Horizon Restoration is licensed, insured, and certified by major siding manufacturers. We do not start work until your claim is settled and you’re comfortable moving forward.
- We inspect your property and document all damage with photos
- Line-item damage estimates your adjuster can match
- We meet your adjuster at your home
- Direct communication with your insurance company
- Full roofing and/or siding replacement once the claim is approved
Thousands of Roofing Projects.
One Trusted Team Across
Chicagoland.
From the North Shore to the Southwest Suburbs, we have completed thousands of roofing projects for homeowners and businesses throughout the Chicago area.
- Local & Family Owned
- Licensed & Insured
- Industry-Leading Warranties
Hail Damage Roof Repair
Hail does not always punch holes in your roof. Most of the time it leaves dents, cracks the granule surface, or bruises the material underneath. That damage shortens your roof’s life by years if you ignore it. We get more calls about hail damage than almost anything else.
- Full roof inspection documenting every impact point
- Replacing cracked or bruised shingles
- Checking flashing, vents, and gutters for dents
- Detailed property report for your insurance claim
The biggest mistake homeowners make is filing a claim before getting an independent inspection. You need someone on your side who knows what hail damage looks like in Chicago’s climate. Before you sign anything with your insurer, the National Association of Insurance Commissioners offers guidance on protecting your rights after a storm.
Wind Damage Roof Repair
Chicago gusts rip shingles clean off, peel back flashing, and expose your deck to the elements in minutes. The tricky part is that wind damage is not always obvious from the ground — the real problems are often along the ridge or edges where uplift pressure hits hardest.
- Lifts or tears off shingles, exposing underlayment
- Breaks seal strips, leaving shingles vulnerable
- Pulls flashing from walls, chimneys, and vents
- Loosens ridge caps along the peak of the roof
Most wind damage is covered by homeowner’s insurance. We handle wind damage claims in Chicago every week and document everything before you file so your adjuster sees the full scope.