Storm Damage in Illinois: Inspection & Claim Preparation

After wind or hail damage in Illinois, start with safety, photographs, and your insurer’s reporting instructions. An active leak or exposed roof may need temporary protection while the permanent repair scope is assessed.

Address immediate storm damage hazards

Stay away from downed wires, unstable structures, and damaged roof areas. If there is immediate danger, contact emergency services. For an active leak or exposed roof, call UV Exteriors at (847) 474-1702 to discuss temporary protection and confirm availability.

Document storm damage for your insurer

• Note the storm date and when you first noticed the problem.
• Photograph visible conditions from a safe location, including interior water stains and affected exterior areas.
• Keep repair receipts, estimates, and messages in one place.
• Contact your insurer for its reporting instructions and applicable deadlines.

The Illinois Department of Insurance disaster guide explains documenting damage, keeping receipts, and arranging necessary temporary repairs.

What an exterior inspection should clarify

A useful assessment identifies the affected materials and locations, explains proposed repairs, and distinguishes temporary protection from permanent restoration. Roof edges, flashing, siding, and gutters should be considered where relevant to the observed damage.

Prepare for the inspection appointment

Write down where you first noticed the problem and whether it changed during later rain. Include previous repairs so the inspector has context for the affected area.

• Interior: identify the room and location of any stain or drip.
• Exterior: describe the affected side of the house from a safe location.
• Temporary work: keep the date, description, and receipt together.

Ask for photos labeled by location and an explanation of the proposed work. Keep temporary protection and the permanent repair proposal clearly identified in your records.

Review the construction scope and insurance decision separately

UV Exteriors supplies photos and a construction estimate you can share with your insurer. The insurer decides coverage and payment under your policy. Review your deductible, non-covered work, material selections, and written contract before authorizing permanent work.

Explore storm damage services, urgent roof assistance, or request an inspection.