Insurance Claim Roof Replacement in Chicago:
Get Every Dollar of Storm Damage Covered
Trusted roofing and siding contractor serving Chicagoland since 2007. We handle storm damage claims from the first inspection through the final payout — documenting the damage, meeting your adjuster on the roof, and making sure the approved scope matches what your roof actually needs.
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What's Covered on This Page
INSURANCE CLAIM SUPPORT
We Handle the Claim Details. You Stay in Control.
From the inspection through the claim approval, Horizon Restoration makes sure nothing is overlooked.
Local Insurance Restoration Specialists
Serving Chicagoland homeowners since 2007
Detailed Documentation
Local Code Expertise
Manufacturer Certified
Inspect Before You File
We inspect your property at no cost, show you all the photos and explain whether the damage appears sufficient to justify opening a claim.
Review & Document the Damage
The results of the inspection are reviewed by three team members so no damage or building code is missed. We then send photographs, measurements, and a detailed written report for your adjuster to review.
We Meet With Your Adjuster On Site
A Horizon representative can attend the inspection and clearly present the documented damage.
Direct Insurance Communication and Follow Through
We communicate with your insurer, review the approved scope, and help address omitted damage or required code items.
Nothing Starts Until You Are Ready
We do not begin construction until the claim scope is settled, the work has been explained, and you have authorized us to proceed.
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.
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
Signs Your Roof Damage Qualifies for an Insurance Claim
Quick Summary: Insurance companies look for specific storm damage signs, not general wear and tear. Bruised or missing shingles, granule loss, and damaged flashing are the marks adjusters check for. If your roof shows these signs after a storm, a claim is usually worth filing.
Insurance claims are not for a roof that’s just old. They’re for damage that happened on a specific date from a specific storm. Adjusters know the difference between wear from age and a fresh hit from hail or wind. We see this every week. Homeowners assume a few missing shingles won’t count. Often they do.
What Adjusters Look For
- Bruised or dented shingles that feel soft when you press on them
- Bald spots where granules have knocked loose, exposing the black mat underneath
- Shingles that are cracked, curled, or torn off completely
- Soft or dented flashing around chimneys, vents, and skylights
- Dented gutters, downspouts, or roof vents from hail impact
- Exposed nail heads where wind has lifted shingle edges
Wind Damage Looks Different Than Hail
Instead of dents, you’ll see lifted or missing shingles along ridges and edges. Wind gets underneath and peels them back. Naperville and Bolingbrook both sit in a corridor that sees hail almost every summer storm season. We inspect many roofs after a single bad afternoon of weather. Not sure if what you’re seeing counts? That’s a common question, and it’s exactly why a trained eye matters here.
Granules in the Gutter Are a Clue
Homeowners in Arlington Heights and Schaumburg often call us after noticing granules piling up in their gutters or driveway. That’s a telltale sign of hail impact even when shingles look fine from the ground. A roof can look okay from your yard and still have real damage up close.
Filing Your Claim: What Happens From Inspection to Approval
Filing a claim isn’t complicated once you know the order of things. Most homeowners get nervous because they’ve never done it before. That’s normal. Before you call your insurance company, get eyes on your roof first. A roof inspection in Chicago gives you photos and notes of every damaged shingle, dented vent, or cracked flashing before an adjuster ever shows up.
We inspect your roof and document storm damage with photos and measurements.
You file the claim with your insurance company using our documentation.
An adjuster comes out to inspect the roof themselves.
We meet the adjuster on-site to point out damage they might miss.
Once the scope and coverage are agreed on, the insurance company approves the claim.
Roof replacement gets scheduled and completed.
That adjuster meeting matters more than people think. Adjusters see dozens of roofs a week. They don’t always catch every soft spot or bruised shingle on the first pass. Having someone who’s dealt with insurance companies standing next to them changes the outcome. It’s the difference between a partial approval and a full one. Homes out in Naperville built before newer wind-resistance shingle standards took hold tend to show hail bruising that’s easy to miss from the ground. This is another reason the adjuster walk matters.
When a Repair Makes More Sense Than a Full Replacement
Not every storm-damaged roof needs a full teardown. That’s the truth. If a windstorm ripped off a handful of shingles on one slope, or a tree branch cracked a small section, a repair might be all your roof needs. We see this every week. Insurance adjusters know the difference too. If the damage is isolated and the rest of your roof is in good shape, your carrier will likely approve a repair instead of a full insurance claim roof replacement. That’s not a bad outcome. It just means the damage didn’t meet the threshold for replacement.
When a Repair Is Usually Enough
- A few missing or cracked shingles in one small area, with the rest of the roof intact
- Minor flashing damage around a chimney or vent with no wider hail bruising
- A roof under 8 to 10 years old with isolated wind damage and no granule loss elsewhere
- Damage confined to a single slope, not spread across the whole roof system
When It Tips Toward Replacement
Here’s the part homeowners don’t expect. If your roof is older, even minor damage can tip the scales toward replacement. Matching shingles gets harder every year and code may require more work than a patch allows. But a young roof with a small problem area usually stays a repair job.
We’d rather tell you the truth up front than push a bigger project you don’t need. A free inspection settles it either way. No guessing.
What We Do
Every Roofing Service, One Local Team
From a single cracked flashing to a full tear-off — and from standard asphalt shingle up to synthetic slate, cedar, and copper. Every job starts with a free, documented roof inspection, so you know exactly what you’re paying for before anyone climbs a ladder.
CertainTeed ShingleMaster™ PREMIER · Owens Corning Preferred Contractor · Brava & DaVinci certified · Licensed & insured in Illinois · Free written estimates
Repair, Replacement & Commercial
Most Requested
Roof Replacement
A complete tear-off and a new system built to your home’s structure and Illinois code. Often the smart move when a roof’s age and storm damage arrive together — as they usually do on Chicago’s older housing stock.
See what’s involved →
Roof Repair
Cracked flashing, leaky valleys, or a handful of damaged shingles — targeted fixes that leave the rest of your roof alone. The right call when your roof still has life left after Chicago’s freeze-thaw winters.
Request a repair →
Emergency Service
Roof Leak Repair
Active water intrusion is an emergency, not a maintenance item. We find exactly where water is getting in — including winter ice damming at the roof’s edge — and stop it fast, before interior damage spreads.
Stop a leak now →
Asphalt Shingle Roofing
Most Chicago homes are topped with asphalt shingles. As a CertainTeed ShingleMaster PREMIER and Owens Corning Preferred Contractor, we install to manufacturer standards — which is what keeps your warranty intact.
See shingle options →
Flat & Low-Slope Roofing
Membrane and built-up systems engineered to manage drainage on courtyard buildings, greystones, and commercial roofs where standard shingles won’t work. A different craft — and one we know well.
See low-slope systems →
Commercial Roofing
Assessment, repair, and replacement for retail, small industrial, and multi-unit buildings — flat and low-slope systems included — scheduled around your business, not ours.
Request a consultation →
Premium & Specialty
Designer Roofing Systems
The character of slate, cedar, or copper — specified and installed to survive a Chicago winter. Specialty work, on the same free-inspection process as everything above.
Brava · DaVinci
Synthetic Slate & Shake
Brava and DaVinci composite tile gives you the look of quarried slate or hand-split cedar without the weight, the cracking, or the rot. Impact-rated for hail and engineered to hold its color through Chicago’s freeze-thaw cycles.
Explore synthetic systems →
Natural Wood
Real Cedar Shake
Nothing weathers quite like the real thing. Natural cedar, installed with the ventilation and fastening detail it needs to last — the right call when authenticity matters more than low maintenance.
Talk cedar options →
Custom Metalwork
Copper Roofing Accents
Bay windows, turrets, dormers, and porch roofs finished in copper — the detail that makes a whole house look considered. It patinas on its own over the decades and outlasts almost everything around it.
Ask about copper work →
Not sure which one you need?
Book a free roof inspection. We document what we find with photos, tell you straight whether it’s a repair, a replacement, or an insurance claim — and put it in writing. No pressure, no obligation.
What to Expect at the Adjuster Meeting
The adjuster meeting is where your claim really gets decided. This is the moment an insurance company sends someone out to look at your roof and decide what they’ll pay for. Nervous about it? Most homeowners are.
How the Visit Usually Goes
- The adjuster will inspect the roof, gutters, and sometimes siding. They look for storm-related damage like hail bruising or wind-lifted shingles.
- They’ll take photos and measurements, and may use chalk marks to count hail hits per test square.
- You or your contractor should walk the roof with them, not just wave from the driveway.
- Bring up any interior leaks, attic staining, or missing shingles you’ve already noticed.
- Ask for a copy of their report or scope sheet before they leave.
Why We Show Up With You
Here’s the thing. Adjusters cover many properties in a short window, especially after a big storm rolls through the Chicago suburbs. They’re not trying to shortchange you, but they’re also not going to climb into every valley and check every ridge cap unless someone points them there. That’s why we show up alongside your adjuster whenever we can. Our team has insurance industry experience. We know what adjusters are trained to look for, and we make sure nothing gets missed.
We’ve walked roofs with adjusters in Naperville, Orland Park, and Arlington Heights. The pattern is always the same: damage on the back slope or in a shaded valley gets overlooked if nobody’s up there pointing it out.
Once the meeting wraps up, the adjuster sends their findings back to the insurance company. That report becomes the basis for what gets approved. If something’s missing from it, fixing that later is harder than catching it in person. So don’t skip this step, and don’t go it alone if you don’t have to.
How Roof Replacement Cost Is Determined by Your Policy
Here’s the part most homeowners don’t expect. Your roof replacement cost isn’t set by a contractor’s price list, it’s set by your policy. Two neighbors on the same street can file claims for the same hailstorm and end up with completely different numbers. This is all because of how their policies are written.
Replacement Cost Value (RCV)
Pays what it takes to put a new roof on, with no deduction for age.
Actual Cash Value (ACV)
Factors in depreciation, so an older roof gets less. That single difference changes everything about what you’ll owe.
What Else Moves the Number
- Your deductible, which comes out of the total before insurance pays anything
- Depreciation, often withheld until the job is finished and proof of completion is sent back
- The adjuster’s written scope, which lists every line item they’re agreeing to cover
- Roof age, layers, and pitch, all of which affect labor and material costs an adjuster factors in
- Code-required upgrades tied to your local permit office, which some policies cover and others don’t
That last point trips people up constantly. We see it every week. A homeowner assumes the adjuster’s first number is final. Then they find out the scope missed flashing, ventilation, or decking that had to be replaced once the tear-off started. That’s where a supplement comes in, and it’s normal, not a red flag.
This is exactly why we push a free inspection before you file anything. Our team reviews the roof, documents the damage the way an adjuster will look at it, and helps you understand what your specific policy language means for your payout.
Worth doing before you sign anything: Ask your insurer directly whether your policy pays actual cash value or replacement cost value, and get it in writing.
What to Know Before You Hire
Not every roofer knows how to handle an insurance claim. We regularly hear from homeowners whose claim came back approved for a fraction of the real damage, because nobody documented it properly or met the adjuster on the roof. Ask these five questions before you accept a bid.
How many insurance claim roofs have you handled this year?
Ask for a number from the last 12 months, not a lifetime total. Claim work is its own skill set — documenting hail hits per test square, writing a scope an adjuster will accept, and filing a supplement when the tear-off reveals more. A crew that does it every storm season will get you a different result than one that does it twice a year.
Are you certified by the manufacturer of the shingle you'll install?
Manufacturer certification is what keeps the material warranty intact after the claim is paid. It also carries weight with carriers, since documentation from a certified installer is harder to argue with. We are a CertainTeed ShingleMaster PREMIER contractor and invest in ongoing training every year.
Can I see your Illinois license and certificate of insurance?
Ask for the certificate from their carrier directly. General liability and workers’ comp both matter on a flat roof.
Who were your last three insurance claim jobs in Chicago?
Recent, local, and the same kind of storm damage as yours. Then actually call them and ask how the claim went, not just how the roof looks.
How do you handle the insurance claim?
You want a crew that documents the damage and meets your adjuster on the roof, not one that hands you a phone number.
Call a contractor before you call your insurance company.
Most homeowners file the claim first. The adjuster undervalues the damage, and they spend the next two months fighting to reopen a number that was set in twenty minutes on the roof. Get the damage documented before that visit, and have someone standing next to the adjuster who knows what to point out.
One last thing: read the reviews, but read them for insurance claim work specifically. Five stars for a fast gutter repair tells you nothing about whether a contractor will still be answering the phone when your supplement is sitting with the carrier.
We pass our own checklist.
- Manufacturer-certified for TPO, EPDM & mod-bit
- Licensed, bonded & insured in Illinois
- Low slope & flat roof specialists
- We meet your adjuster on the roof
- Written documentation with every inspection
Or call (773) 993-0998
No pressure, no obligation. Just a straight answer on what your roof actually needs.
Beyond the Roof
The Rest of Your Exterior, Handled
Six more services under one roof — same crew, same warranty, same number to call.
