The claim process for roof damage due to weather issues can be a confusing process with a lot of different moving parts. At Fresh Page Home Improvement, it is our goal to assist you with all of your roof damage claim needs. With experience in the claims process for the Illinois region, you can rest assured that our employees are well-versed in how to handle insurance claims and what to look out for in order to guarantee you the best rates and compensation for your repairs. Below is a look at key factors in a roof damage claim and what kinds of damage could occur that would trigger this kind of claim. 

Types of roof damage in Illinois

There are a variety of weather conditions and natural events that occur in Illinois that can lead to damage being taken by your roof. With unpredictable weather and temperature changes, it is no surprise that roof damage may happen at some point while you own a home. Below are the common types of roof damage you can expect to find in Illinois:


  • Lack of maintenance
  • Earthquakes
  • Flooding (in extreme cases)
  • High winds or tornadoes 
  • Falling debris
  • Ice build-up; freezing and thawing
  • General wear and tear

As you can see, there are a lot of different factors that can go into the actual damage your roof can sustain. That is why working with professionals in your claims process is key, as we can best assist in finding the type of coverage and specific repair work you need to be done on your roof. 

Signs of roof damage

With roof damage, there can be some pretty clear telltale signs as to when damage has occurred, and you need a repair done. Below are some of the signs you should look for in order to spot damage to your roof:


  • Leaking or water pooling in your ceiling
  • Missing or cracked shingles
  • Clogged or broken gutters
  • Mold and rot in the attic
  • Yellowing stains on your ceiling
  • Peeling paint 
  • Visible pieces of the roof are missing 
  • Molding across the exterior 

All of these clues can make you aware of roof damage. If you see these and suspect roof damage, then a call is warranted to assess the extent of the damage and begin repairs on your roof. Depending on the type of home insurance coverage you have, filing a claim can take some time, so calling us is your best option to get a fast repair done.

How to start the roof damage claim process

The first step in your claims process is to reach out to your insurance company and let them know of the suspected damage. They will then send an adjuster to come out and inspect the damage of your roof. Once the inspection is done, you file your claim and then hire a contractor with the money gained from the insurance claim check.

How long do you have to file a claim for roof damage?

The typical length of time you will have to file a claim is 1 to 2 years from the date of loss or date of damage on your roof. It is important to verify the official timeline with your insurance company and your current policy. The best rule of thumb though is to file and fix your roof as soon as you possibly can. 

What is covered in roof damage claims?

Your insurance policy will outline the actual coverage you have on your roof, but there are certain common situations most insurance policies cover. Damage from extreme weather, such as hail or high winds, is typically covered in these claims. Additionally, falling objects, such as a tree from a weather event, would be covered. Additionally, water damage, smoke or fire damage, and ice/snow damage are covered in most homeowner insurance policies. 

How to get fair coverage when dealing with insurance companies in Illinois

In order to get the best coverage from insurance companies in Illinois, it is best to have a professional also inspect your roof. Here at Fresh Page, we offer complimentary roof damage inspections. This allows you to have a professional assess the damage and give you and your insurance company an accurate account of the work needed and our perceived assessment of the risk. While they may have the final say on a claim and inspection, we can offer guidance in the process where needed. 

Next steps after a claim is denied

If, for some unfortunate reason, a claim is denied, you always have the option to appeal the claim process with your company. In this instance, the insurance company will reassess the damage and the circumstances in which the damage has occurred to see if a claim can be filed. For more information on claim denial processes, following up with your insurance company is best.