What to Do After Storm Damage to Your Roof in Chicago
Step 1: Stay safe and assess from the ground
Do not climb onto a storm-damaged roof. Assess the exterior from the ground or through an attic window. Look for missing shingles, damaged flashing, fallen debris, or dented gutters. Take photos immediately for insurance documentation.
Step 2: Stop interior damage
If water is actively entering the home, place buckets to catch drips and move valuables away from wet areas. Lay down towels or plastic sheeting to protect flooring. Do not turn on overhead lights if there is water near the fixture.
Step 3: Document everything
Photograph all exterior damage, interior staining, and any debris from the storm. Note the date and time. This documentation is essential for your insurance claim. Do not discard any damaged materials until your adjuster has seen them.
Step 4: Call your insurance company
Report the damage to your homeowner insurance company as soon as possible. Most policies require timely reporting after a storm event. Your insurer will send an adjuster to assess the damage.
Step 5: Get a temporary repair to prevent further damage
Before your insurance adjuster arrives, you can authorize a contractor to place a temporary tarp or cover over damaged areas to prevent further water entry. This is covered by most policies and does not affect your claim.
Step 6: Get a professional estimate
Once the adjuster has been, get a written estimate from a licensed contractor before committing to any permanent repair. Compare the estimate to what your insurer offers. If there is a significant discrepancy, you can negotiate or hire a public adjuster.
Beware of storm chasers
After major Chicago storms, out-of-town contractors flood the area offering quick, cheap repairs. Many are unlicensed, uninsured, and do poor work. Use only local, verified contractors — like those on our list.
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