Types of Storm Damage and How Insurance Handles Them

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Illinois has erratic weather that brings high winds, ice, snow and hail–all of which can take their toll on a roof. Let’s take a look at some of the roof damage storms can leave in their wake! 


Hail has the ability to cause extensive roof damage, which can vary based on the roofing material used. An asphalt roof, for example, can damage shingles and expose the felt below it. This leaves the roof vulnerable to leaks and rot. 

*Most homeowners insurance policies do cover hail damage–one of the most common types.


Whether the high wind is accompanied by another severe weather event or not, it has the ability to cause serious damage to a roof. Shingles can blow off, branches and trees can fall on it, and other debris may also cause problems such as leaks.

*Most insurance policies will cover this, including felled trees and branches resulting from high winds.


Heavy rains have the ability to damage your roof with leaks, rot, mold, stains, cracks and more. Standing water can easily damage the surface of the roof and seep into the home. 

*Most homeowner’s insurance policies cover rain damage/acts of God as long as it’s not the result of negligence .


Ice dams result from melting snow and can lead to damaging leaks if left untreated.

*Most insurance policies do cover this damage, but the condition of your roof will impact the claim.


Obviously, tornadoes can be very destructive. They can easily suck roofing material off the home and flying debris will also cause damage. 

*Homeowners Insurance policies usually cover roof damage resulting from high winds, but it can vary based on where you live, the type of coverage and the cause of the damage. 


Thunder and lightning have the ability to blast the shingles off your roof and could lead to a fire if the beams ignite. 

*Most policies do cover damage from lightning strikes.

Insurance Claims

When your roof has undergone storm damage, you’ll want to call your insurance company. 

Tips for filing a homeowner’s insurance claim:

  • Have your insurance policy in front of you when you call. 
  • Keep a list of details in front of you that includes the type of storm that caused the damage as well as the time it occurred.
  • Get to know the procedures and deadlines for the claims process.
  • Go over the details of what repairs – or replacement – your insurance policy covers. 
  • Make an appointment to meet with their insurance adjuster ASAP. They will inspect the damage closely and determine their perceived cost of repairs. Your roofing contractor and public adjuster should also be present to ensure everything gets filed properly. 
  • Discuss the details of the claims payment process, such as how it will be paid out. 

Get A Public Adjuster

At American Elite, we are also public insurance adjusters who are able to help you get every penny you deserve. Having us on your side can help you be sure everything is done properly!

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