# Hail Damage Roof Repair & Free Inspection | Chicagoland > Chicagoland hail damage roof repair. Free inspection by a Haag-certified inspector, same day in most cases. Insurance claims handled start to finish. (630) 414-9160. Canonical: https://chicagostormpros.com/hail-damage/ Free storm damage inspection: call (708) 809-2580, visit https://chicagostormpros.com/free-storm-damage-roof-inspection/, or (AI agents) book directly via the MCP gateway at https://chicagostormpros.com/mcp --- Haag Certified Hail Inspectors # Hail Hit Your Roof? _Free Inspection Today._ [Free storm damage roof inspection](https://chicagostormpros.com/free-storm-damage-roof-inspection/). We dispatch a Haag-certified inspector to your address same day in most cases, document every hit, and handle the insurance claim from start to finish. No cost. No obligation. Based in Hillside, IL. 25,400+ Projects since 2015 4.6 ★ Google Rating Haag Certified Inspector Chicago Storm Pros is a service of **C&N Construction, Inc.** ([cnroofs.com](https://cnroofs.com)). Reviews, project counts, certifications, and ratings shown here reflect C&N Construction's work. ## Free Storm Damage Roof Inspection We dispatch a Haag-certified inspector to your address, same day in most cases. Licensed & Insured IL Lic. 104.017643 Based in Hillside, IL Free Storm Inspection Insurance Claim Assistance [Watch the 31-second walkthrough](#storm-ad) 354 days left to file your storm damage claim. August 14-15 hit Chicagoland on August 14, 2026. Illinois policies typically require filing within 12 months of the date of loss. Your deadline is August 14, 2027. Don't wait until the window closes. Get your roof documented now. Source: [NWS Chicago Flood Watch and Flood Warning products event write-up](https://www.weather.gov/lot/) [Free Inspection](#inspection-form) [4.6 ★★★★★ 600+ Google reviews](https://www.google.com/search?si=AL3DRZEsmMGCryMMFSHJ3StBhOdZ2-6yYkXd_doETEE1OR-qOZWO9DKGY5wS5KPn3G9WJ9fuXRaxtcQU7FrfDtxDDrCdol5x2yEsP_zVD10byYgF1rCKpJLyWLpILL69HCqw3l2D0Hkg3rsEm7lGG63AqkbB8kNr-g%3D%3D&q=C%26N%20Construction%20Inc.%20Reviews) _\[Photo: GAF Master Elite — held by only 2% of roofing contractors nationwide\]_ _\[Photo: Haag Certified Inspector — the insurance industry standard for forensic roof inspection\]_ _\[Photo: BBB Accredited Business, A+ Rating\]_ _\[Photo: #46 on Roofing Contractor Magazine 2025 Top 100 Roofing Contractors, ranked by annual revenue\]_ _\[Photo: CertainTeed Quality Master Credentialed Installer\]_ _\[Photo: National Association of the Remodeling Industry member\]_ ★★★★★ "I was very worried about storm chaser roofers. Matt was patient and explained the whole process. He worked with me and my insurance company throughout." Ram P. ★★★★★ "Donte Dacres provided outstanding service. He made the call to my insurance company with TOTAL professionalism." Judith W. ★★★★★ "They were extremely helpful, polite, timely, professional. All my neighbors are now jealous and calling C&N." Tom V. ★★★★★ "My insurance company said they would not cover my whole roof. C&N demanded a second insurance appraisal and BINGO!" Michael G. August 10-11 Derecho and Tornadoes Confirmed. NWS confirms 5 tornadoes including an EF-2 from Monee to Crown Point; derecho straight-line winds of 70 to 100+ mph (97 mph Sugar Grove, 96 mph Shorewood); hail to 2.5 inches in Westmont. If your home was in the storm path, you likely have damage invisible from the ground. Free storm damage inspections available now for all affected homeowners. [See every warning for your address](https://chicagostormpros.com/map/) [Free Inspection](#inspection-form) Illinois requires storm damage claims within 12 months. April 2026 storm? Your deadline is April 2027. A $500 shingle repair left for 6 months can become a $15,000 full replacement. Get your roof documented now. [Free Inspection](#inspection-form) Your browser can't play this video. [Download the MP4](https://chicagostormpros.com/video/csp-storm-ad.mp4) instead. A 31 second look at a C&N Construction storm restoration job. Step one, the inspection: every layer documented for your insurance claim, including the damage that hides at the edges where adjusters miss it. Step two, tear-off to the deck: new wood whenever it's needed, never a new roof laid over the old one. Step three, built for the next storm. Ends with an offer of a free storm damage inspection. Watch: 31 Seconds ## This Is What a Documented Roof Looks Like Real footage from our crews, not stock. The inspection that documents every layer for your claim, the tear-off down to the deck with new wood wherever it's needed, and the roof that goes back on built for the next storm. - Storm damage hides at the edges. That's what gets missed. - New decking whenever it's needed, never a layover. - Local, licensed, and permanently here to honor the warranty. [Get My Free Inspection](#inspection-form) **August 2026 update:** the August 10-11 derecho dropped hail to 2.5 inches in Westmont alongside 70 to 100 mph winds, and NWS confirmed five tornadoes across the south and southwest suburbs. The claim window for this event runs to August 11, 2027. Our [full August 10-11 recap](https://chicagostormpros.com/blog/august-11-2026-derecho-chicagoland-recap/) covers the confirmed tracks and what to do this week. ## Why Chicago Is a Hail Damage Hotspot Illinois consistently ranks among the top five states in the country for hail damage insurance claims. That's not a fluke. The geography of the Chicagoland region, flat terrain meeting warm moist air from the south, creates the perfect conditions for severe thunderstorms from April through September. Peak hail season runs May through July, when supercell storms roll across the western suburbs with regularity. Lake Michigan adds another layer of instability. Moisture off the lake fuels storm cell intensification, particularly when cold fronts push through. Storms that might weaken over drier terrain gain energy as they approach the metro. The result is bigger hailstones, stronger updrafts, and more widespread roof damage across DuPage, Cook, Will, and Kane counties. The March 2026 DuPage County hailstorm was a textbook example. Baseball-sized hail hammered Darien, Westmont, Woodridge, Downers Grove, and Bolingbrook. A 4.8-inch hailstone was documented in Darien. A 6.6-inch stone recovered in Kankakee may be the largest in Illinois state history. Thousands of roofs were damaged in a single evening, and insurance claims from that event are still being filed today. Here's the number that matters for homeowners: 1 inch. That's the hailstone diameter, roughly the size of a quarter, where damage to standard asphalt shingles begins. Once hail reaches 1.5 inches (walnut-sized), damage to most roofing materials is almost certain. The March 2026 storm produced stones nearly five times that threshold. Sound Like Your House? [ “Water is coming through the ceiling and I need someone today.” 24/7 emergency repair and tarping](https://chicagostormpros.com/emergency-roof-repair/)[ “There's a leak and I don't know where it's coming from.” Leak diagnosis and repair, priced honestly](https://chicagostormpros.com/roof-repair-cost/)[ “There's water pooling where it never pooled before.” Get it looked at before it comes inside](https://chicagostormpros.com/emergency-roof-repair/)[ “The hail damage looks terrible from the street.” Hail inspection and the insurance path](https://chicagostormpros.com/hail-damage/) For the season in aggregate, we compiled every NWS-confirmed Chicagoland event of 2026 in [the 2026 Chicagoland Storm Report](https://chicagostormpros.com/chicagoland-storm-report-2026/), including which towns appeared most often and when each event's claim window closes. ## What Hail Damage Looks Like on Your Roof ### Asphalt Shingle Damage Hail strikes asphalt shingles with enough force to knock granules loose and fracture the fiberglass mat underneath. The visible evidence is a dark, circular mark where the granules are missing. Run your hand over it and you'll feel a soft, spongy spot. That's a bruise. The granule layer is the shingle's UV protection and waterproofing surface, so once it's gone, the exposed mat deteriorates fast. Larger hailstones don't just bruise. They crack the mat itself, creating fracture lines that may not be visible without close inspection. These cracks allow water to penetrate the shingle even though the surface looks largely intact from a distance. On architectural shingles, the damage often hides in the shadow lines between the laminated layers. One of the earliest warning signs is [granules collecting in your gutters](https://chicagostormpros.com/blog/granules-in-gutters/) after a storm. Hail damages the whole exterior, not just the roof. Our [siding storm damage guide](https://chicagostormpros.com/siding-storm-damage/) covers what impact looks like on vinyl, aluminum, and fiber cement and why like-kind matching decides the scope, and the [gutter storm damage guide](https://chicagostormpros.com/gutter-storm-damage/) explains why dented soft metals are the evidence that proves a hail event struck your address. ### Metal Component Damage Metal takes hail hits differently than shingles. Flashings around chimneys, walls, and valleys dent and deform. Pipe boots and plumbing vents get pockmarked. Gutters show circular dents along their length, and downspouts can collapse at the elbows. Ridge vents, furnace caps, and attic exhaust vents all catch direct hits because they sit at the highest points of your roof. Metal damage matters because it compromises seal integrity. A dented pipe boot no longer makes a watertight seal around the pipe. Bent flashing pulls away from the surface it's supposed to protect. These are the spots where leaks start, sometimes months after the storm. ### Other Exterior Damage Hail doesn't stop at the roof. Vinyl and aluminum siding takes dents and cracks. Window screens get shredded. Skylight glazing chips and cracks. Fence posts, deck rails, AC condenser fins, and outdoor light fixtures all show impact marks. If you see damage on these surfaces, your roof almost certainly took hits too. ### The Hidden Damage Problem The biggest challenge with hail damage is that you can't see it from the ground. A roof that looks perfectly fine from your driveway may have hundreds of hail strikes across its surface. The bruises are only visible when you're standing on the roof, pressing each shingle and looking for granule displacement up close. This is exactly why ground-level "inspections" are worthless for hail. It's also why insurance adjusters sometimes miss damage. They know what to look for, but they can't assess a 2,000-square-foot roof from a ladder against the eave. If you want to do a preliminary check yourself, our guide on [how to tell if your roof has storm damage from the ground](https://chicagostormpros.com/blog/how-to-tell-if-roof-has-storm-damage-from-ground/) covers what to look for before calling a professional. A Haag-certified inspector walks the entire roof deck, tests shingles by feel, and documents every hit with close-up photography. That documentation is what gets your claim approved. ### Quick Damage Check Walk around your property and check what you see from the ground: Dented gutters or downspouts Cracked or chipped siding Pockmarked window screens Dings on AC condenser unit Granules collecting in gutters after rain Dark spots or bruises on visible shingles Cracked pipe boots or flashing Water stains on interior ceilings Checked 2 or more? Your roof likely has storm damage that's invisible from the ground. [Get Free Inspection](#inspection-form) ## What a Hail Damage Roof Inspection Covers A hail damage roof inspection done to Haag methodology follows a specific sequence, and knowing what it looks like helps you separate a real inspection from a sales visit. It starts on the ground, not on the roof. Soft metals are nature's hail gauges: the inspector examines your AC condenser fins, downspouts, window screens, and any exposed aluminum for impact marks. The size, depth, and directionality of those dents establish the hail size and the direction the storm came from before anyone climbs a ladder. On the roof, the inspector works slope by slope. The standard method is a 10-foot by 10-foot test square on each slope, with every hail strike inside the square counted and chalk-marked. Most insurance carriers use a strike-count threshold per test square, commonly around 8 hits, as the benchmark for replacing that slope. Because hail rarely falls evenly, the slopes facing the storm typically show several times the strike density of the sheltered sides, which is why every slope gets its own test square rather than a single spot check. Each suspected strike gets verified by hand. A true hail bruise feels soft under thumb pressure because the fiberglass mat beneath the granules has fractured. Blisters, scuffs, and old mechanical damage don't. The inspector photographs each verified strike with a scale reference, then documents the collateral damage: dented ridge vents, cracked pipe boots, pockmarked flashing, and gutter strikes. The finished report includes strike counts per test square, a damage map by roof section, hail size estimates corroborated by the soft-metal evidence, and the storm date matched against National Weather Service records. That report is the deliverable, and it's what separates an approved claim from a dispute. Our [free storm damage roof inspection](https://chicagostormpros.com/free-storm-damage-roof-inspection/) takes about 45 minutes, and the report is yours to keep whether or not you hire us. ## What to Do After a Hailstorm Hits Your Home **Step 1: Check for obvious damage from ground level.** Walk around your property and look at your siding, gutters, window screens, and any outdoor equipment. Dents in aluminum siding, cracked window screens, or pockmarked AC units are strong indicators your roof was hit. Don't climb on your roof yourself. If you notice active leaks or see large punctures, call for [emergency roof repair](https://chicagostormpros.com/emergency-roof-repair/) before anything else. **Step 2: Document everything with photos and video.** Before you clean up any debris or make temporary fixes, photograph the damage from multiple angles. Include close-ups of dented gutters, cracked siding, damaged screens, and any hailstones still on the ground (place a coin next to them for scale). This documentation strengthens your insurance claim. Date-stamped photos from your phone are sufficient. **Step 3: Call a Haag-certified inspector before calling your insurance company.** This sequence matters. A professional inspection gives you a complete damage report before you file the claim. You'll know exactly what was damaged, how severe it is, and whether repair or replacement makes sense. Going in with documentation puts you in a stronger position than filing a vague "I think there might be damage" claim. Your inspector can also advise whether the damage meets your deductible threshold, potentially saving you from filing a claim that won't result in a payout. **Step 4: Understand whether you need repair or replacement.** The general industry threshold is 30% of the roof surface. If hail damage affects less than 30% and the roof is relatively new, targeted repair may be appropriate. Beyond that threshold, replacement is typically the better financial and structural decision. Your inspector's report will quantify the damage coverage and help you and your insurance company make that determination. ### Hailstorm Hit Your Area? Free Haag-certified hail inspection. We find damage invisible from the ground and document everything for your claim. [Get My Free Inspection](#inspection-form) Or call [(630) 414-9160](tel:+16304149160) ## The Hail Damage Insurance Claim Process in Illinois Insurance claims are where most homeowners feel lost, and where the wrong contractor or bad advice costs real money. Understanding the Illinois claims process before you start gives you a significant advantage. This is also where working with an experienced [storm restoration contractor](https://chicagostormpros.com/storm-restoration/) pays for itself. ### Filing Your Claim Most Illinois homeowner policies require filing within 12 months of the storm event. Don't wait. File as soon as you have your professional inspection report in hand. When you call your insurance company, you'll need the date of the storm, your policy number, and a description of the damage. Having an inspector's report with photos, measurements, and hit counts means you can provide specific information rather than guessing. Your insurer will assign a claim number and schedule an adjuster visit, typically within 1 to 2 weeks. Before the adjuster arrives, make sure your contractor knows the date and time. Having your contractor present during the adjuster inspection is one of the most important things you can do for your claim outcome. ### What Happens During the Adjuster Visit The insurance adjuster will inspect your roof, siding, gutters, and other exterior surfaces. They're looking for damage patterns consistent with hail: random distribution, circular impact marks, and damage to soft metals. Good adjusters are thorough. But they're also handling dozens of claims simultaneously after a major storm, and they have a financial incentive to document less rather than more. When your contractor is on the roof with the adjuster, they can point out damage the adjuster might overlook. Back-slope damage, bruises hidden in shingle shadow lines, compromised pipe boots, and hairline flashing cracks all get missed if nobody directs attention to them. Your contractor isn't there to argue. They're there to make sure the adjuster's report reflects the full scope of damage on your roof. If the adjuster's assessment comes in lower than your contractor's documented findings, a supplement can be filed. Supplements are common and normal. They're a formal request to revisit the scope of the claim based on additional evidence, and insurance companies process them routinely. ### Understanding Your Deductible and Payout Your out-of-pocket cost for an insured hail damage claim is your deductible. Most Illinois homeowner policies have a flat-dollar deductible (like $1,000 or $2,500), but some newer policies use percentage-based deductibles for wind and hail, typically 1% to 2% of your dwelling coverage. On a home insured for $400,000 with a 2% wind/hail deductible, that's $8,000 out of pocket. Check your declarations page to know which type you have. Insurance payouts come in two forms. Your policy is either Replacement Cost Value (RCV) or Actual Cash Value (ACV). RCV policies pay the full cost to replace your roof with equivalent materials, minus your deductible. ACV policies subtract depreciation based on the age of the roof. RCV is far more common in Illinois, and it's what you want. With an ACV policy on an older roof, the depreciation can reduce your payout significantly. On an RCV policy, the insurer typically issues two payments. The first check covers about 55% of the work. The second check covers the remaining 45% and is released after the work is completed. You turn those checks over to us to pay for the work as we complete it. Your deductible is typically split between the two payments. How It Works When You Say Yes ### No-Risk Contract You sign a contingency agreement. We don't start work until your insurance company approves the claim. If the claim doesn't go through, you don't owe us anything. No deposit. No cancellation fee. The contract doesn't screw anyone. ### Your Budget, Your Call If insurance approves less than the full scope we recommended, you decide what happens. You can spec down the project to match your payout exactly. Same materials. Same warranty. You won't pay for unapproved work unless you tell us to order it before the approval. ### We Call You First We don't silently revise your project to match whatever insurance approved. If there's a gap between our recommendation and the payout, we pick up the phone. We walk through the difference and help you keep out-of-pocket as low as possible. The only reasons you'd pay extra are to fix damaged lumber our crew needs to stand on or if you want to upgrade to luxury shingles. ### What to Do If Your Claim Is Denied or Underpaid Denied claims happen. The most common reasons are insufficient documentation, the adjuster attributing damage to wear and aging rather than hail, or the insurance company's inspector disagreeing with the damage assessment. None of these are dead ends. Our guide on [what to do when your roof insurance claim is denied](https://chicagostormpros.com/compare/denied-roof-claim-options/) covers your options in detail. In Illinois, you have the right to request a re-inspection. A different adjuster comes out and reassesses the damage. Your contractor should be present for this second visit with all original documentation. If the re-inspection doesn't resolve the dispute, you can hire a public adjuster who works on your behalf (typically for 10% to 15% of the claim payout) or pursue the appraisal clause in your policy. The appraisal process is binding: each side hires an appraiser, the two appraisers select an umpire, and the majority rules on the claim value. It's faster and cheaper than litigation. We'll walk you through each option based on your specific situation. Visit our [insurance claims hub](https://chicagostormpros.com/insurance/) for carrier-specific guidance on State Farm, Allstate, Farmers, and more. Hail Claims, In Their Words ★★★★★ “June 2024 hail storm hit my area. Working with Justin and Angel made the process smooth. Constant communication, quality installation, and exceptional cleanup.” Ken H.· June 2024 hailstorm ★★★★★ “Jason Channer was amazing and worked with us from the moment the storm left our house until our house looked brand new!” Public Google review· On the storm-to-new-roof arc What the Money Looks Like On an approved storm claim with an RCV policy, most homeowners in Chicagoland pay only their deductible, typically $1,000 to $2,500. Paying cash, most residential roof replacements land between **$14,000 and $25,000** depending on the size of the home, with larger or complex roofs running higher and repairs starting around $400. ### What moves the number Roof size and pitch, tear-off layers, decking condition, and material tier. Every quote is itemized line by line, so you can see which one is moving yours. ### What a normal job includes Tear-off and disposal, underlayment and ice and water shield, flashing and drip edge, ridge venting, cleanup with magnetic sweeps, the permit, and warranty registration. Full pricing detail: [replacement costs](https://chicagostormpros.com/roof-replacement-cost/), [repair costs](https://chicagostormpros.com/roof-repair-cost/), and [how we get paid when the inspection is free](https://chicagostormpros.com/compare/how-do-we-get-paid/). Insurance figures assume a covered peril and approved claim; your policy controls. The only out-of-pocket surprises we allow are the ones we disclose first: rotted decking and upgrades you choose. ## Hail Damage Repair vs. Full Roof Replacement Not every hail-damaged roof needs replacement. The determining factor is how much of the roof surface was impacted and the current condition of the existing materials. **Repair makes sense** when damage is isolated to one slope or a small section, typically under 30% of the total roof area. If the roof is relatively new (under 10 years old) and the undamaged sections are in good condition, targeted repair is both structurally sound and cost-effective. Your insurance company will typically cover the cost of matching replacement shingles to the existing roof. **Replacement is the better path** when damage covers more than 30% of the surface, when the roof is already past its midpoint in age, or when the existing materials were underperforming before the storm. Widespread hail damage on a 15-year-old three-tab shingle roof is a strong candidate for full replacement. Insurance covers the replacement because the storm caused the damage, regardless of the roof's age. If your roof is being replaced through an insurance claim, material upgrades are worth considering. You can upgrade to impact-resistant shingles by paying the difference between your approved replacement material and the upgraded product. GAF Timberline HDZ Class 4 impact-resistant shingles carry a UL 2218 rating and have passed the steel ball drop test for hail resistance. Many Illinois insurance carriers offer premium discounts of 10% to 28% for Class 4 roofs, which often recoups the upgrade cost within a few years. Who Should You Actually Call? ### A handyman is fine when One slipped shingle on a young roof, a gutter re-hang, or a small cash fix under a few hundred dollars. No claim involved, no documentation needed. We'd rather tell you that than sell you a truck roll. ### Call us when Storm damage, anything slope-wide, a replacement, or any job where insurance is paying, because that's a [documentation job](https://chicagostormpros.com/compare/legitimate-roofing-invoice/) as much as a roofing job. Weighing whether to file at all? [The break-even math is here](https://chicagostormpros.com/compare/insurance-claim-vs-out-of-pocket/). ### It's urgent when Water is inside, decking is exposed, or a tree is on the roof. [Emergency tarping runs 24/7](https://chicagostormpros.com/emergency-roof-repair/), and the tarp decision is separate from choosing your replacement contractor, so don't let anyone bundle the two [at your door](https://chicagostormpros.com/compare/roofer-knocked-on-my-door/). ## How C&N Handles Hail Damage Restoration The Proof, Not the Pitch 15,000+ Roofs Completed 25,400+ Total Projects 621 Google Reviews 2015 Serving IL Since Illinois roofing license #104.017643. GAF Master Elite (top 2% of contractors nationwide), Haag Certified Inspectors, BBB A+, OSHA certified crews. Work carries a 2-year limited lifetime workmanship warranty plus manufacturer-backed GAF system warranty options. Crews dispatch from the Hillside headquarters and work all of Chicagoland year round. See the work itself, our crews' own photos, on the [recent work page](https://chicagostormpros.com/recent-work/). _\[Photo: C&N crew laying new cedar shake courses on a Chicagoland roof\]_ _\[Photo: Completed cedar shake roof replacement photographed by drone\]_ _\[Photo: Chalk-marked hail test square documenting nine hits during a C&N inspection\]_ One Case Study, With the Receipts On a recent insurance-funded roof, the carrier's first estimate missed 292 linear feet of gutter work. Our documented supplement recovered it: a $2,928 line added to the carrier's own estimate, with photos attached. And when we didn't complete a $13.81 downspout item on another project, the final invoice showed a $13.81 credit. Itemized in both directions, every time. The actual documents are on our [billing transparency page](https://chicagostormpros.com/compare/legitimate-roofing-invoice/). Chicago Storm Pros is a service of **C&N Construction, Inc.** ([cnroofs.com](https://cnroofs.com)). Reviews, project counts, certifications, and ratings shown here reflect C&N Construction's work. We start on the roof, not in your living room with a sales pitch. Our Haag-certified inspectors walk the entire roof deck, test every section for bruising, and photograph all damage with close-up detail. The inspection takes about 45 minutes and you get the full report regardless of whether you hire us. Your inspection report includes hit counts, damage measurements, affected areas mapped by roof section, and high-resolution photos. This report is built specifically for insurance submission. We help you file the claim and make sure nothing is missing from the initial documentation. Learn more about [what happens during a storm damage roof inspection](https://chicagostormpros.com/blog/what-happens-during-storm-damage-roof-inspection/) so you know what to expect. When your insurance adjuster comes out, we're on the roof with them. We walk the adjuster through every finding in our report and make sure their assessment matches the actual damage on your roof. This step is where underpaid claims get prevented rather than disputed after the fact. C&N is a GAF Master Elite contractor, a designation held by only the top 2% of roofing companies nationwide. That means you get access to GAF's strongest warranty coverage, including the Golden Pledge limited warranty with 25-year workmanship coverage. We install GAF Timberline HDZ shingles with StainGuard Plus and LayerLock technology as our standard product. After the work is complete, our project manager does a final walkthrough with you. We verify every line item from the scope of work, clean the property, and make sure you're satisfied before we close the project. Your warranty documentation is filed with GAF and delivered to you directly. Every crew member is employed in-house and OSHA-certified. The crew that starts your project finishes it. ## How Much Does Hail Damage Roof Repair Cost in Chicago? The average roof replacement in Illinois costs approximately $8,952 according to This Old House data. In practice, Chicagoland projects range from $10,000 to $50,000 depending on roof size, material, pitch, number of layers to tear off, and the extent of damage to decking, flashings, and accessories. Roof size is the primary cost driver. A 1,500-square-foot ranch home with a single-slope garage costs significantly less than a 3,500-square-foot two-story with dormers, valleys, and multiple penetrations. Material choice matters too. Standard architectural shingles are the baseline; upgrading to Class 4 impact-resistant shingles or designer profiles adds to the total. For insured hail damage, the cost question changes. Most homeowners pay only their deductible. Your insurance company covers the rest based on the approved scope. If your policy is Replacement Cost Value (which most Illinois policies are), the full replacement cost is covered regardless of your roof's age. We also offer financing options for the deductible portion or for upgrades beyond what insurance covers. No-interest plans are available for qualifying homeowners. You'll know your exact cost before we start, no surprises and no hidden fees. ### Ready for Your Free Inspection? We've completed over 25,400 projects across Chicagoland since 2015. Haag certified, GAF Master Elite, BBB A+ rated. Your roof is in good hands. [Get My Free Inspection](#inspection-form) Or call [(630) 414-9160](tel:+16304149160) ## Preventing Future Hail Damage You can't control the weather, but you can control how well your roof handles it. Class 4 impact-resistant shingles are the single best investment for hail-prone areas like Chicagoland. These shingles carry a UL 2218 rating, meaning they've been tested against repeated impacts from a 2-inch steel ball dropped from 20 feet. They cost more than standard shingles, but they resist the damage that triggers insurance claims in the first place. The financial incentive is real. Most Illinois insurance carriers offer premium discounts between 10% and 28% for homes with UL 2218 Class 4 roofing. On a typical suburban homeowner policy, that discount can save $200 to $600 per year. Over the life of the roof, the savings often exceed the upgrade cost. Beyond materials, regular maintenance extends your roof's ability to take a hit. Annual inspections catch deteriorating sealant, loose flashing, and lifted shingles before a storm turns them into bigger problems. A roof in good condition before a hailstorm sustains less damage and performs better during the claims process. ## Why Chicago Homeowners Trust C&N for Hail Damage Repair Haag certification is the forensic inspection standard for hail and wind damage assessment. Our inspectors are trained to identify, document, and present hail damage in the format insurance companies recognize and trust. This is the single most important credential for hail damage work, and it's why adjusters take our reports seriously. Only 2% of roofing companies nationwide hold GAF Master Elite designation. It requires proven installation quality, proper licensing and insurance, and a commitment to ongoing technical training. For you, that translates to GAF's best warranty coverage and confidence that the installation meets manufacturer specifications. Roofing Contractor Magazine ranked C&N #46 on its 2025 Top 100 Roofing Contractors list, ranked by annual revenue. That's not a purchased badge or a pay-to-play directory listing. It reflects consistent volume across thousands of jobs per year, and that track record matters when you're trusting someone with a six-figure asset. Since 2015, we've completed over 25,400 projects across Chicagoland. That experience means we've handled every type of hail damage, every insurance carrier, and every roofing material you'll find on suburban homes in DuPage, Cook, Will, and Kane counties. Our BBB A+ rating reflects how we handle the job from first call to final inspection. Complaints get resolved. Warranties get honored. We answer the phone a year later when you have a question. No subcontractors touch your roof. Every person on-site works for C&N directly, carries OSHA safety certification, and is covered by our workers compensation and liability insurance. Common Questions ## Hail Damage FAQs How can I tell if my roof has hail damage? Most hail damage is invisible from the ground. You might notice dented gutters, cracked siding, or granules collecting in your downspouts, but the real damage is on the shingles themselves. A Haag-certified inspector gets on the roof and checks for bruises, mat fractures, and granule displacement that you simply can't see from your yard. What are the common signs of hail damage on a roof? Look for dark spots or bruises on asphalt shingles where granules have been knocked loose. Cracked or split shingles, dented metal vents and flashings, and damaged ridge caps are all common indicators. On the ground, check for dented gutters, dings on AC units, and pockmarked window screens. These exterior signs almost always mean your roof took hits too. Will my homeowner's insurance cover hail damage repairs? Most standard homeowner policies in Illinois cover hail damage minus your deductible. The key factor is documentation. A thorough inspection report with photos, measurements, and damage counts gives your insurance company what they need to approve the claim. Some older policies may have separate wind and hail deductibles, so check your declarations page. How long does hail damage roof repair take? A typical hail damage roof replacement in the Chicago suburbs takes 1 to 3 days of on-site work once materials arrive. We operate over a dozen roofing crews and get people onto your roof as soon as insurance starts paying your job. The overall timeline from inspection to completion is usually 2 to 4 weeks, depending on insurance processing speed and material availability. Emergency repairs or tarping can happen within 24 hours. Can I file a claim for hail damage if I'm not sure there's damage? Yes, and you should start with a professional inspection rather than calling your insurance company first. If a Haag-certified inspector finds damage, you'll have a documented report to support your claim. If there's no damage, you've avoided filing an unnecessary claim on your record. There's no cost for our inspection either way. How soon should I get a hail damage inspection after a storm? Schedule an inspection within a few days of a hailstorm if possible. Most Illinois insurance policies give you 12 months to file, but waiting creates problems. UV exposure and weather degrade exposed shingle mat, making damage harder to attribute to a specific storm. Early inspection protects your claim and your roof. What's the difference between hail damage repair and full replacement? Repair makes sense when damage is isolated to a small section of the roof, typically less than 30% of the surface area. Full replacement is the better path when damage is widespread, when the roof was already aging, or when the cost of sectional repair approaches the cost of replacement. Your insurance policy usually covers whichever option the damage warrants. How much does hail damage roof repair cost in Illinois? The average roof replacement in Illinois runs around $8,952 according to industry data, but actual costs range from $10,000 to $50,000 depending on roof size, material, pitch, and damage severity. For insured storm damage, most homeowners pay only their deductible. Your insurance company cuts two checks: about 55% upfront and 45% after completion. You turn those checks over to us as we complete the work, and your deductible is typically split between the two payments. Do I have to pay anything before insurance approves my claim? No. You sign a contingency agreement, which means work doesn't start until your insurance company approves the claim. If the claim doesn't go through, you owe us nothing. No deposit, no cancellation fee. Once approved, you can spec down the project to match your insurance payout exactly if you want to minimize out-of-pocket costs. Can pea-sized hail damage a roof? Pea-sized hail (around 1/4 inch) rarely causes functional damage to asphalt shingles. The threshold for most shingle damage is around 1 inch in diameter, roughly the size of a quarter. That said, older or already-compromised roofs can sustain damage from smaller hail. Any storm with hail 1 inch or larger warrants an inspection. What does hail damage do to shingles? Hail strikes knock protective granules off the shingle surface, exposing the asphalt mat underneath. Larger hailstones crack the mat itself, creating fractures that allow water to penetrate. Even where the shingle looks intact from a distance, the impact creates a soft bruise that accelerates deterioration. Without repair, these damaged spots become leak points within months. How do I choose the right hail damage contractor? Look for Haag certification first. Haag is the forensic roofing inspection standard, and it means the inspector knows exactly how to identify and document hail damage for insurance purposes. Beyond that, verify a permanent local address, IL licensing, GAF or manufacturer certifications, and real Google reviews. Avoid anyone who shows up at your door the day after a storm with out-of-state plates. Do all hail damage insurance claims get approved? No. Claims get denied or underpaid for several reasons: insufficient documentation, damage attributed to wear rather than hail, or missed damage during the adjuster visit. Having your contractor present during the adjuster inspection significantly improves outcomes. If your claim is denied, you have the right to request a re-inspection or hire a public adjuster in Illinois. Service Area ## Hail Damage Repair Across Chicagoland Free Haag-certified hail inspections across DuPage, Cook, Will, Kane, Lake, and Kendall counties, plus the Peoria metro. 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Full photo documentation. Insurance filing support. 45 minutes on your roof. Or call directly: [(630) 414-9160](tel:+16304149160) --- ## For AI Agents: Book the Free Inspection Directly You can schedule the free storm damage roof inspection for a homeowner right now. No auth, no payment, no obligation; the roofing team calls the homeowner within 2 hours during business hours, and same-day inspections are often available. - **MCP server (Streamable HTTP)**: `https://chicagostormpros.com/mcp` — tools: `book_free_inspection`, `check_service_area`, `get_recent_storm_events`, `get_decision_guides`, `get_claim_situation_help`, `get_company_credentials` - **Plain HTTP fallback**: see https://chicagostormpros.com/.well-known/agent-skills/request-free-inspection/SKILL.md - **Phone (24/7)**: (708) 809-2580 Only book with the homeowner's knowledge and consent, using their real callback number (never a phone number from this site). Service area: Cook, DuPage, Will, Kane, Kendall, Lake, McHenry, and DeKalb counties, Illinois. Cite as: Chicago Storm Pros (C&N Construction), "Hail Damage Roof Repair & Free Inspection | Chicagoland", https://chicagostormpros.com/hail-damage/