Frequently Asked Questions
The Biggest Misunderstanding
Isn’t the insurance adjuster there to help me?
This is one of the biggest misconceptions.
Insurance adjusters are:
- hired by the insurance company
- contracted to represent the company’s interests
- responsible for evaluating claims in a way that protects the insurer
That doesn’t make them bad—it just means:
they are not your personal representative
So who represents me as the homeowner?
That’s where a licensed public adjuster comes in.
Public adjusters:
work on behalf of the homeowner
evaluate damage independently
help ensure nothing is overlooked or misclassified
Think of it like this:
Going through a claim alone is like going to court without representation
A public adjuster helps level the playing field
Because not all damage is presented the same way.
Common issues:
Damage is labeled as “wear and tear” instead of storm-related
Mixed damage (age + storm) gets ruled against the homeowner
Documentation isn’t detailed enough
The claim isn’t structured properly from the start
Insurance companies are naturally going to lean toward:
minimizing payout when there’s uncertainty
Initial decisions matter.
While claims can sometimes be revisited:
it becomes harder
more documentation is required
and outcomes are less predictable
That’s why starting correctly is so important.
Not always in the way people think.
Premiums are often influenced by:
storm activity in your area—not just your individual claim
So even if you don’t file:
your rates may still increase
especially if your neighbors are filing claims
If damage is left unaddressed:
It worsens over time
It may later be classified as wear and tear or neglect
That type of damage is not covered
At that point:
You may be responsible for the full cost out of pocket
IA full roof replacement can commonly range:
$20,000 – $40,000+
Some insurers may also:
require replacement to maintain coverage or drop coverage entirely due to risk
No.
Many types of storm damage:
- aren’t visible from the ground
- don’t leak immediately
but still qualify for coverage
Waiting can work against you.
Over time: damage becomes harder to attribute to a storm, it may be labeled as age-related, and coverage may no longer apply.
After a storm—or anytime you suspect damage.
Early evaluation gives you:
more control
more options
better outcomes
Public adjusters work on a contingency basis.
That means:
- no upfront cost
- no payment if the claim is not approved
- typically a percentage (often around 10%) of the claim
Because:
- most homeowners don’t know how to properly structure a claim
- damage can be overlooked or misclassified
- and once a claim is decided, it’s harder to change
A public adjuster helps ensure the process is done correctly from the beginning to the end.
Yes.
Licensed Illinois public adjusters are:
- state licensed
- bonded
- required to meet strict standards
- fingerprinted and background checked
This ensures accountability and professionalism.
Roofing companies can assist with repairs.
However:
- they are not licensed to interpret policy details
- they are not legally representing you in the claim process
Their focus is:
the construction side—not the claim strategy
Public Adjuster → represents your claim
Contractor → performs the work
Both are important—but they serve different roles.
You can—but it’s important to understand their role.
Insurance agents:
- specialize in selling and servicing policies
- do not inspect or evaluate damage
- are not involved in claim negotiation
In many cases:
they haven’t seen your roof at all
Their compensation and performance metrics can be influenced by:
- claim frequency
- policy retention
So while they can offer general guidance:
they are not neutral evaluators of your specific damage
The process isn’t fully complete yet.
The work must be:
properly completed, documented, and closed out with the insurance company.
If a claim is left open or unresolved:
it can:
- create issues with future claims
- it may impact insurability
- and in some cases, cause complications in insurance history
We help ensure the process is completed correctly, everything is properly documented, and homeowners aren’t left with loose ends
Once approved, you move into the construction phase.
We help connect homeowners with:
- vetted, licensed contractors
- professionals with strong track records
- teams that understand insurance-based work
No.
You always have the freedom to choose. We simply provide options that make the process easier, faster, and more reliable.
Yes—and many homeowners do.
You can:
- upgrade materials
- improve durability
- enhance your home’s look
By simply covering the difference beyond insurance.
High-quality exterior work can improve curb appeal, protect long-term value, and prevent future issues.
We focus on doing things correctly from the start, helping homeowners understand their options, and making the process smooth and clear.
Our goal isn’t just to file a claim—it’s to help you protect your home, your investment, and your peace of mind.
Not Sure What Your Situation Looks Like?
The best next step is simple. Let’s take a look and give you clear, honest answers.