StormBear inspects and repairs wind and hail damage and documents what we find for homeowners across Chicago and the nearby suburbs. Your next step is to book a storm inspection so we can photograph the damage before anything else.
Every job includes a written warranty with terms in your estimate.
Storm follow-up inspection: Free. This includes a post-hail or post-wind check with documentation for insurance; repair pricing is given in writing after we see it.
See all roofing pricesInspection and documentation timing usually depends on safe access, roof size and weather conditions. Carrier review follows its own process, so neither a coverage decision date nor a permanent repair start date can be guaranteed.
No roofer can promise approval: your policy and insurer determine coverage. Sudden wind or hail damage may qualify, while age and ordinary wear usually do not. Documentation describes conditions; it is not a coverage decision.
Your deductible and non-covered work remain your responsibility. Check whether your wind-and-hail deductible is a fixed amount or a percentage, and ask your carrier to explain the settlement before committing to work. A roofing estimate and an insurer’s settlement serve different purposes; compare their described work carefully before authorizing repairs.
ACV is actual cash value after depreciation for age and wear. RCV concerns eligible replacement cost; many RCV policies pay ACV first and may release eligible recoverable depreciation after completed work is documented. Policy terms control both.
Ask your insurer for reasons and whether reinspection is appropriate. Keep the roof report, estimate and communications; the Illinois Department of Insurance offers consumer guidance.
