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• Does Homeowners Insurance Cover Roof Damage from a Storm in Illinois?
• Does Home Insurance Cover Hail Damage to a Roof in Illinois?
• Does Home Insurance Cover Wind Damage to a Roof in Illinois?
• Does Home Insurance Cover Flood Damage to a Roof in Illinois?
• How to Check Your Roof for Damage in Illinois
• How Much Does Home Insurance Pay Out for Roof Damage?
• How an Illinois Independent Insurance Agent Can Help You

Does Homeowners Insurance Cover Roof Damage from a Storm in Illinois?

In most cases, your Illinois homeowners insurance has coverage for roof damage after a storm loss. Of course, with any policy, there are exclusions that can apply. The age of your roof will play a large role in how it is covered with your carrier. Some insurance companies offer the full replacement cost of your roof when a claim occurs. Others will only offer actual cash value of the current condition of your roof. Coverage is set beforehand and should be reviewed for sufficiency.

Does Home Insurance Cover Hail Damage to a Roof in Illinois?

Illinois homeowners insurance will have coverage for storm damage to your roof. Hail damage is one of the most reported claims when a storm occurs. A hired contractor can get up on the roof to determine if there is enough hail damage to file a loss with your insurance company. After a claim has been reported, an adjuster will do their own assessment and make a determination.

Does Home Insurance Cover Wind Damage to a Roof in Illinois?

Your Illinois home policy will cover natural disasters, including high wind. It is essential to know how your roof is covered before storm damage is a reality. If you have less than the replacement cost for your roof coverage, then you could have to pay thousands out of pocket to make up the difference.

Economic damage from tornadoes in the US (in million US dollars)

High wind and tornadoes sometimes go hand in hand. Tornadoes are also a covered peril under your primary home insurance policy, up to the coverage amount. 

Does Home Insurance Cover Flood Damage to a Roof in Illinois?

In Illinois, most types of storm damage are considered a covered loss under your homeowners insurance. Flooding is not one of them, unfortunately, and will require its own separate policy. FEMA-approved flood insurance can be obtained and provide protection against flood damage to your home and roof. Without this coverage, you will have to pay for any flooding to your home on your own.

How to Check Your Roof for Damage in Illinois

It can be challenging to check your roof for damage. For best results, it is vital to hire a trained professional that can assess the damage accurately. A roofing contractor can safely check the condition of your roof and take pictures to give to the carrier and adjuster assigned to your claim.

Largest roofing contractors by revenue in the US (in million US dollars)

You will have the option to hire any roofing company you wish. If you want a second opinion, your agent can recommend a reputable local roofing business.

How Much Does Home Insurance Pay Out for Roof Damage?

Any damage to your roof will be usually paid in one of two ways by the insurance company. Most Illinois home policies will offer actual cash value or replacement cost, less the deductible for roof losses. Take a look at the difference:

• Actual cash value: This is the amount the insurance company pays out for what the roof is worth in its current state. 
• Replacement cost: This is the amount the insurance company pays out for the full replacement cost of the roof to like kind, and quality.

How an Illinois Independent Insurance Agent Can Help You

When you're searching for the perfect Illinois homeowners insurance, consider using a licensed professional. There are several coverage options when it comes to insuring your assets properly. Roof damage can cause a major expense if you're not properly insured. 

Fortunately, an Illinois independent insurance agent can help with policies and affordable rates that suit your needs. Since they do the shopping for you at no additional cost, you'll save time and money. Connect with a local expert on TrustedChoice for tailored quotes.