Storm Damage Roof Repair in DuPage County — Hail, Wind and Fallen-Limb Damage
Storm Damage Roof Repair for Naperville, Downers Grove and the Western Suburbs
Adept Construction, Inc. repairs and replaces storm-damaged roofs across DuPage County from offices in Naperville and Downers Grove. After a warned storm we inspect the roof with your permission, photograph and document every hail hit, wind-lifted shingle and limb strike, provide the written estimate your insurer needs, tarp any opening, and repair or replace the roof once the claim is approved — since 1997, as an Illinois-licensed roofing contractor (No. 104.011123) and Owens Corning Preferred Contractor. If the roof is open or leaking now, call Downers Grove (630) 964-8708 or Naperville (630) 360-2730; otherwise request a storm inspection.
What Storm Damage Looks Like on a DuPage County Roof
The National Weather Service Chicago office in Romeoville issues a severe thunderstorm warning for DuPage County when a storm is producing hail of one inch or more or wind gusts of 58 mph or more. Either one damages an asphalt shingle roof; most of the damage cannot be seen from the ground.
Hail damage
Hail bruises the shingle mat and knocks the protective granules off in round, random-pattern spots that expose the black asphalt underneath. The shingle keeps water out for a season or two, then cracks at each bruise. Soft-metal collateral — dented gutters, downspouts, roof vents and window screens — is how adjusters confirm hail size after the fact. Our hail damage roof repair guide shows what each mark means.
Wind damage
Wind lifts the tab of a shingle, breaks the seal strip and creases the mat; the shingle may lie flat again and look fine. Creased shingles leak at the next heavy rain. Wind also strips ridge caps and lifts flashing. See our Illinois wind damage guide.
Fallen limbs and trees
Downers Grove, Hinsdale and the older parts of Naperville have mature oak and maple canopies, and limb strikes are the most common single-house storm claim there. A limb that did not break through the shingles can still crack the sheathing beneath; we check from the attic.
Ice dams
Winter’s version of storm damage: ice at the eaves backs meltwater under the shingles and into the wall. Damage from ice dams is often covered; the repair is the underlayment and shingles at the eave, and the fix is ice-and-water shield and ventilation. See our ice dam damage and insurance guide.
What to Do After a Storm — In Order
- Stay off the roof. Photograph what you can see from the ground: shingles in the yard, dented gutters, limbs down, water inside.
- Stop active water. Move belongings, put a bucket under drips, and call for emergency tarping if the roof is open — (630) 964-8708 Downers Grove, (630) 360-2730 Naperville. Keep the receipt: temporary repairs to prevent further damage are covered by most policies.
- Get an inspection before you call your insurer. Adept Construction inspects, with your permission, and gives you a photo report and written estimate. You then know whether the damage is worth a claim against your deductible before you open one.
- File the claim yourself. Illinois law does not allow a contractor to file or negotiate a claim for you; we give you the estimate to submit and answer the adjuster’s questions.
- Adjuster meeting. Ask that we be there. We walk the roof with the adjuster and point out every hit so nothing is missed on the scope.
- Approval, then repair or replacement. Once the scope is approved, we schedule the work. If the claim is denied, Illinois law gives you five business days to cancel our contract at no cost.
Emergency Roof Tarping After a Storm
If a limb, wind or hail has opened the roof, or a leak is running during rain, Adept Construction tarps and secures the opening within 24 hours anywhere in DuPage County, then schedules the permanent repair. Emergency tarping is documented so its cost goes on your claim.
How a Storm Damage Insurance Claim Works in Illinois
Inspection and Documentation
With your permission, we inspect the roof, photograph every hail hit, creased shingle and limb strike, and give you a written estimate and photo report to submit to your insurer.
You File the Claim
You open the claim with your carrier and submit our estimate. Illinois law does not allow a contractor to file or negotiate a claim on your behalf, and we do not pay or waive deductibles.
Adjuster Meeting and Approval
We meet the adjuster on the roof, point out every item on our scope, and answer questions. The carrier issues its scope and the first payment; we schedule the work.
Roof Repair or Replacement
We repair or replace the roof to the approved scope, invoice the carrier for the recoverable depreciation at completion, & hand you the warranty. If the claim is denied, you have 5 business days to cancel at no cost.
Your Rights Under Illinois Law After a Storm
Illinois’ Home Repair and Remodeling Act (815 ILCS 513/18) sets rules for roofers working storm claims. Every one of them protects you from the out-of-town contractors who follow hail:
- No deductible games. A contractor may not advertise or promise to pay, rebate or waive any part of your insurance deductible. If a roofer offers a “free roof” or to “eat the deductible,” that is illegal in Illinois.
- Your roof, your permission. A contractor may not climb on your roof or inspect for damage without your express permission.
- You own the claim. A contractor may not file the claim or negotiate with your insurer on your behalf; only you or a licensed public adjuster can. A contractor may give you an estimate, meet the adjuster and discuss repair options — which is what we do.
- Five days to cancel. If your insurer denies all or part of the claim, you may cancel a storm-repair contract within five business days of the denial notice and get your money back, except for emergency work you agreed in writing was needed to prevent further damage.
- Insurance and license. Every Illinois roofer must carry liability insurance and hold an IDFPR roofing license; Adept Construction’s is No. 104.011123 (verify). Complaints go to IDFPR at 312-814-6910.
Where We Handle Storm Damage
Both offices dispatch after a storm. Naperville, Aurora, Warrenville, Wheaton, Lisle and west to St. Charles and Yorkville run from the 79th Street office; Downers Grove, Westmont, Hinsdale, Oak Brook, Villa Park, Lombard and the east side of the county run from Hathaway Lane. City pages with local response times: Naperville storm and roof repair · Downers Grove storm and roof repair · Hinsdale · Warrenville · St. Charles · Wheaton · Aurora · all areas. Commercial buildings: commercial storm damage.
What Storm Damage Repair Costs
When a storm has damaged most of the roof, the replacement usually runs through insurance and your cost is the deductible. When damage is limited to one slope or a few areas, a repair is often less than the deductible and not worth a claim — which is why we inspect before you file. Typical repair ranges are in our roof repair cost guide; how often a policy will pay for hail is in how often you can file for hail damage; what adjusters look for is in our roof insurance claims guide.
Storm Damage FAQs
Usually. Standard Illinois homeowners policies cover sudden damage from hail, wind and falling trees; they do not cover wear from age or damage the policy attributes to lack of maintenance. Adept Construction inspects and documents the damage so you can decide whether it is worth a claim before you file one.
No. Under the Illinois Home Repair and Remodeling Act (815 ILCS 513/18), a contractor may not pay, rebate or waive any part of an insurance deductible. A roofer who offers to is breaking the law, and the offer is the sign of a storm-chasing contractor. Adept Construction does not waive deductibles.
Yes. An inspection tells you whether the damage exceeds your deductible before a claim goes on your record. Adept Construction inspects storm damage at no charge, with your permission, and gives you a photo report and written estimate you can submit if you decide to file.
Look for granules in the gutters and downspout splash blocks, dents in gutters, vents and window screens, and shingles in the yard. Hail bruises on the roof itself are round spots where the granules are gone, usually invisible from the ground. Adept Construction inspects after any NWS-warned storm — hail of one inch or more — in DuPage County.
Most Illinois policies require “prompt” notice and allow a claim for one to two years after the loss, but hail damage gets harder to prove and attribute the longer it sits. File within the season if you can; our guide to how often you can file for hail damage covers the timing.
Yes. Adept Construction tarps and secures storm openings anywhere in DuPage County, usually within 24 hours, and documents the work so its cost goes on your claim. Call (630) 964-8708 or (630) 360-2730.
Yes, when you ask us to. Adept Construction walks the roof with the adjuster and points out every item on our scope. Illinois law does not allow a contractor to file or negotiate the claim for you, but it does allow us to provide the estimate, confer with the adjuster and discuss repair options — which is what we do.
Under Illinois law you may cancel a storm-repair contract within five business days of a written denial and receive your payments back, except for emergency work you agreed in writing was needed. Adept Construction’s contracts include that cancellation right. You can also request a re-inspection or hire a licensed public adjuster.
Yes. Hail bruises TPO and EPDM membranes and cracks modified bitumen surfacing; wind lifts flashing and ballast. Adept Construction inspects, documents and repairs commercial storm damage across DuPage County — see commercial roofing.
Yes. Adept Construction, Inc. has been at 6509 Hathaway Lane in Downers Grove and 27W225 79th Street in Naperville since 1997, holds Illinois roofing license No. 104.011123, and is an Owens Corning Preferred Contractor and BBB Accredited (A+). We are here after the storm season ends.