Insurance & Storm Damage
Storm season in Illinois means hail, wind, and ice. These guides explain what insurance covers, how to document damage, and how to navigate a claim without giving up your right to choose your contractor.
Ice Dam Prevention
Why ice dams form and the two roof details that prevent them.
Hail Damage Roof Assessment
How adjusters score hail strikes and what counts as a covered claim.
Roof Insurance Claim Documentation
The photo, video, and contractor-report stack that wins claims.
Roof Warranty Types
Manufacturer warranties versus workmanship warranties — what each actually covers.
Choosing a Roofing Contractor in Illinois
Licensing, insurance, and reference checks that separate Trill from storm-chasers.
Document Storm Damage Before Making Roofing Decisions
After a severe storm, start with safety and visible documentation. Photograph conditions from the ground, note the date and type of weather, and record interior leaks or new stains. Avoid climbing onto a wet, steep, or visibly damaged roof. Missing shingles, displaced metal, debris impact, and damaged gutters can justify a closer inspection.
The insurance and storm-damage guides in this section explain the difference between documenting a condition and determining coverage. Policy language, deductibles, age, prior damage, and the cause of loss can affect a claim. A roofer can document roofing conditions and repair options, while the insurance carrier determines what the policy covers.
If temporary protection is needed, keep receipts and photographs of the condition before and after the work. Clear records make conversations with the roofer and insurer easier. Trill Roofing can inspect the roof, identify visible storm-related concerns, and explain the roofing work that may be required.
Insurance & Storm Damage: common questions
Is Trill Roofing licensed and insured in Illinois?
Yes. Trill Roofing holds Illinois roofing contractor license #104.020330 through IDFPR and carries general liability and workers compensation insurance.
- An IDFPR license number you can verify online before work starts
- A current general liability insurance certificate
- Workers compensation coverage for the crew on the roof
- A written, itemized estimate rather than a verbal number
Does Trill Roofing offer free roof inspections?
Yes. Roof inspections are free and produce a written report with photos and a prioritized repair list. A standard inspection documents:
- Shingle condition, including granule loss, curling, and missing shingles
- Flashing at chimneys, sidewalls, valleys, and pipe boots
- Attic ventilation balance between intake and exhaust
- Gutters and downspouts, including separation from the fascia
What areas does Trill Roofing serve?
Trill Roofing works out of 2705 St Ambrose Dr in Godfrey, IL and serves Madison County and the Riverbend with no trip surcharge inside the primary service area:
- Godfrey, Alton, Bethalto, and Brighton
- Edwardsville, Glen Carbon, Maryville, and Troy
- Wood River, East Alton, Roxana, and Hartford
- Jerseyville, Grafton, Elsah, and Cottage Hills
- Collinsville, Granite City, Hamel, Marine, and Worden
How much does a roof replacement cost in Madison County, IL?
A roof replacement in Madison County, IL costs $4.50 to $7.50 per square foot installed for architectural asphalt shingles. Every estimate is written and itemized before work begins.
How does a roof insurance claim for storm damage work in Illinois?
A roof insurance claim for storm damage in Illinois starts with documentation, not with a repair. Trill Roofing photographs the damage during a free post-storm inspection, meets the adjuster on the roof to agree scope, and files supplemental documentation when the first settlement misses items. The homeowner pays the deductible only — waiving a deductible is illegal in Illinois.
Ready for a real estimate?
Trill Roofing offers free, no-pressure roof inspections across the Riverbend.