Illinois Roofing License IDFPR #19HC00108700 · GAF Certified Contractor
Four insurance carriers dominate the Illinois homeowner market: State Farm, Allstate, Farmers, and American Family. Each handles roof storm damage claims slightly differently – different adjuster processes, different scope preferences, different supplement-approval patterns. This guide covers the carrier-specific details so you know what to expect when filing.
State Farm – Illinois’s largest carrier
State Farm holds approximately 25-30% of IL homeowner market share, particularly strong in the Riverbend and central Illinois.
Claim process:
- File via State Farm mobile app, online portal, or local agent
- Adjuster assigned within 24-72 hours
- Site inspection typically scheduled within 7-14 days
- Decision and scope within 14-30 days of inspection
What to know:
- State Farm uses both staff adjusters and independent adjusters; service quality varies
- Scopes are typically reasonable but sometimes miss code-required items (ice barrier extent, drip edge)
- Supplements are approved when properly documented – we use code citations and itemized line items
- Class 4 impact-resistant shingle discount: typically 5-15% on renewal premiums
- Deductibles: usually $1,000-$2,500 standard; some policies have separate higher wind/hail deductibles ($2,500-$5,000)
State Farm is generally cooperative with contractor adjuster-meets when scheduled in advance.
Allstate
Allstate holds approximately 10-15% of IL market share.
Claim process:
- File via Allstate app, allstate.com, or 1-800-ALLSTATE
- Adjuster assigned within 24-48 hours
- Inspection within 7-14 days
- Scope and decision within 30 days typically
What to know:
- Allstate often uses third-party adjuster firms for storm claims
- Scopes can be aggressive in the carrier’s favor – submitting supplements is more common
- Their “Impact-Resistant Roofing” discount is one of the larger ones in IL (often 5-25%)
- Deductibles: $1,000-$2,500 standard; wind/hail deductibles sometimes percentage-based (1-2% of dwelling coverage)
Working with Allstate often involves more documentation back-and-forth. We document everything thoroughly upfront to minimize this.
Farmers Insurance
Farmers holds approximately 5-8% of IL market share. More common in central and southern IL than the Chicago area.
Claim process:
- File via Farmers app, online, or your agent
- Adjuster assigned within 24-72 hours
- Inspection within 7-21 days
- Scope within 30 days
What to know:
- Farmers uses local independent adjuster networks heavily
- Service quality varies by region and adjuster
- Supplements approved when documented
- Class 4 impact-resistant discount available
American Family Insurance
American Family holds approximately 5-7% of IL market share, particularly common in southern Illinois.
Claim process:
- File via AmFam app, online, or agent
- Adjuster assigned within 24-48 hours
- Inspection within 7-14 days
- Decision within 30 days
What to know:
- American Family has a reputation for relatively efficient claim handling
- Local adjusters when available; third-party in heavy-claim periods
- Class 4 impact-resistant discount typically 5-15%
Common scope issues across carriers
Items insurance adjusters often miss in initial scopes (we supplement these):
- Ice and water shield to 24″ inside warm-wall line – required by IL code, often missed
- Drip edge replacement – also code-required, often missing from scope
- Decking replacement – can only be assessed during tear-off, submitted as supplement
- Step flashing at sidewalls – should be replaced, not reused, on a full replacement
- Chimney counter-flashing kerfed into mortar – sometimes scoped as repair when full replacement is appropriate
- Ventilation correction – if existing ventilation doesn’t meet code, the correction is supplemental
- Gutter R&R (remove and reinstall) – necessary for proper drip edge installation; sometimes left out
What you’ll pay regardless of carrier
Your out-of-pocket cost on an approved storm damage claim is your deductible. Common amounts in IL:
- $1,000 – common minimum
- $2,500 – common standard
- $5,000 or 1% of dwelling – higher-deductible policies (often combined with lower premiums)
- Wind/hail separate deductible – some policies; can be percentage-based
Trill Roofing collects your deductible and bills the carrier directly for the rest. We never “waive” the deductible – that’s IL insurance fraud (215 ILCS 5/155.36).
Working with us on your claim
Trill Roofing handles the contractor side of every claim we work on:
- Free post-storm inspection with photo-documented damage report
- NOAA storm data pulled for the relevant date
- Coordinated adjuster meet – we’re on the roof with the adjuster
- Supplemental documentation when carrier scope misses code-required items
- Direct billing to the carrier; you pay only your deductible
If you suspect storm damage, schedule an inspection at /free-inspection/.
Related Trill Roofing Services
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No-pressure, written estimate. Family-owned. IL-licensed. Serving Godfrey and the Riverbend.