# State Farm Roof Replacement Requirements: Illinois > What State Farm publishes about roof replacement, wind damage coverage, repair versus replace, ACV payments, and Select Service, with sources. Free inspection. Canonical: https://chicagostormpros.com/insurance/state-farm-roof-replacement-requirements/ Free storm damage inspection: call (708) 847-5095, visit https://chicagostormpros.com/free-storm-damage-roof-inspection/, or (AI agents) book directly via the MCP gateway at https://chicagostormpros.com/mcp --- State Farm Roof Replacement # State Farm Roof Replacement Requirements: What Is and Isn't Published Homeowners search for State Farm's rules for replacing a roof. Here is what State Farm's own pages say, what they leave out, and what Illinois adds. ## 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) [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) _\[Photo: GAF Master Elite, held by only 2% of roofing contractors nationwide\]_ _\[Photo: Haag Certified Inspector, the insurance industry standard for forensic roof inspection\]_ _\[Photo: BBB Accredited Business, A+ Rating\]_ _\[Photo: #46 on Roofing Contractor Magazine 2025 Top 100 Roofing Contractors, ranked by annual revenue\]_ _\[Photo: CertainTeed Quality Master Credentialed Installer\]_ _\[Photo: National Association of the Remodeling Industry member\]_ ★★★★★ "Donte Dacres provided outstanding service. He made the call to my insurance company with TOTAL professionalism." Judith W. ★★★★★ "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. ★★★★★ "My insurance company said they would not cover my whole roof. C&N demanded a second insurance appraisal and BINGO! My re-roof was approved." Michael G. ★★★★★ "Damian was incredibly helpful, especially with navigating insurance and the appraisal. The crew was efficient and got the job done quickly." Alicja S. The Short Answer State Farm doesn't publish a checklist that triggers a roof replacement. Its public pages say wind, hail, fire, and lightning damage to a roof is typically covered, wear and tear and rot typically aren't, and your policy's loss settlement terms set the payment. The part you can control is proof: documented damage tied to a storm date. Free Roof Photo Check ## Before the adjuster comes, see what your photo shows. Photograph the gutters, vents or shingles. We circle what we seem to see, so you know what a closer look is for. Check my roof, free Free. 30 seconds. No signup. **Check this box to use your photo.** I own this photo or have permission to share it. Chicago Storm Pros and its AI provider (Z.ai) may analyze it to show me this result. The photo isn't kept unless I send it to C&N Construction with an inspection request. This AI only looks for storm and roof damage, and it isn't perfect. Think of it as a good starting point for a conversation. Your browser shrinks the photo and removes the location data before it leaves your device. [Privacy details](https://chicagostormpros.com/privacy/#roof-photo-check). _\[Photo: Your roof photo, shown on this device\]_ ### Want to check recent storms near you? Your city only. We never ask for a street address here, and the city stays in your browser. Your city Choose your town ### Want us to get an inspector over, as soon as tomorrow in most cases? A free inspection puts someone on the roof with a hand on the shingle. The report is yours to keep. Storm reports reached Chicagoland on October 16, 2026: 49 mph gust. Your policy sets its own deadline to report the damage, so check your declarations page. We'll document the roof and walk you through what happens next, in plain English. Source: [O'Hare (ORD) airport observations, October 16, 2026: peak wind 43 knots (49 mph) at 4:53 p.m.](https://mesonet.agron.iastate.edu/cgi-bin/request/asos.py?station=ORD&data=peak_wind_gust&data=peak_wind_time&data=gust&sts=2026-10-16T05:00Z&ets=2026-10-17T05:00Z&tz=America/Chicago&format=onlycomma&missing=empty) [Free Inspection](#inspection-form) ## What State Farm Says Is Covered On its [home and property claims page](https://www.statefarm.com/claims/home-and-property), State Farm lists roof damage from wind, hail, fire, and lightning as typically covered, and that includes roof damage from a downed tree. It lists wear and tear, rot, deterioration, and workmanship (improper installation or repairs) as not typically covered. The page tells you to check your policy or ask your agent. That answers the most common question first. State Farm lists wind among the typically covered causes of roof damage. A wind claim on an older roof often becomes an argument about cause, because the same missing or creased shingles can be read as storm damage or as age. Our guides to [spotting wind damage on a roof](https://chicagostormpros.com/blog/how-to-spot-wind-damage-on-roof/) and [what to do when the adjuster says no damage](https://chicagostormpros.com/compare/adjuster-says-no-damage/) cover the evidence. ## What State Farm's Claims Pages Do and Don't Say We read State Farm's [home and property](https://www.statefarm.com/claims/home-and-property) and [roof claims](https://www.statefarm.com/claims/home-and-property/roof-claims) pages on October 22, 2026 for each item below. "Not published" means the page does not say. Question What State Farm's pages say How do I report a roof claim? Online, in the State Farm app, through your agent, or at 800-SF-CLAIM (800-732-5246), available 24/7. What roof damage is covered? Typically wind, hail, fire, lightning, and downed-tree damage. Typically not wear and tear, rot, deterioration, or workmanship. How much damage justifies replacement instead of repair? Not published. At what roof age does the payment change? Not published on these pages. State Farm's Simple Insights page says some policies settle individual items, such as roof or siding claims, differently. How long until a decision? Not published. The home and property page says payments over your deductible will be issued as quickly as possible. Must I use a State Farm contractor? No. "It is your choice as to who you select and hire to provide an estimate or complete repairs." What should the estimate include? Quantities of all materials including vents and flashing, labor charges, work specifications, approximate dates, payment procedures, permits, and warranty details. Because the replacement threshold isn't published, treat "requirements" as a documentation problem. The adjuster's scope decides repair or replacement, and the scope reflects what the inspection recorded. Ask in writing which slopes are being repaired or replaced and why, and ask for a copy of the estimate. Illinois regulations require the company to supply the written estimate on request when a partial loss was settled on one, and to review and respond in writing to a higher estimate you obtain ([50 Ill. Adm. Code 919.80(d)(7)(C)](https://www.ilga.gov/commission/jcar/admincode/050/050009190000800R.html)). ## How the Payment Works: ACV, RCV, and Roof Terms State Farm's [Simple Insights page](https://www.statefarm.com/simple-insights/residence/replacement-cost-vs-market-value) (April 16, 2026) explains that an actual cash value settlement takes depreciation into account and a replacement cost settlement does not. Some replacement cost policies start with an actual cash value payment and pay the rest after the work is complete, with time limits that may apply. The Illinois Department of Insurance's claims guide adds that a policy may pay actual cash value on the roof and replacement cost on the rest of the home. We could not retrieve State Farm's Illinois homeowners policy or roof endorsements. For comparison, Missouri's insurance department describes (its company pages were not loading when we rechecked on October 22, 2026, so treat this as unconfirmed) State Farm's Missouri policy as replacement cost for covered roof losses with an optional wind and hail endorsement, offered for a premium reduction, that limits payment to a percentage of the roof's replacement cost on a pre-determined schedule. That is Missouri. Read the endorsement list on your own declarations page for anything similar. Our [roof payment schedule guide](https://chicagostormpros.com/insurance/roof-payment-schedule-recoverable-depreciation/) explains how those schedules work. One Illinois decision is specific to State Farm. In [_Sproull v. State Farm Fire & Casualty Co._, 2021 IL 126446](https://law.justia.com/cases/illinois/supreme-court/2021/126446.html), the Illinois Supreme Court held that where the policy did not define actual cash value, depreciation could not be applied to labor. It turned on that policy's wording, so ask an Illinois insurance attorney whether it fits yours. ## Select Service, Premier Service, and Choosing Your Roofer Homeowners also search for the Premier Service Program. State Farm's consumer claims pages now describe the [Select Service Home Repair Program](https://www.statefarm.com/claims/home-and-property/select-service), including roofing services. We could not confirm how the Premier Service Program name relates to it, because the State Farm contractor-portal page we had cited for that name no longer loads. The roofing steps State Farm lists are: you opt in, State Farm sends an assignment to a network service provider, the provider matches you with a background-checked local roofer, the roofer inspects and writes an estimate, the provider reviews it and returns it to State Farm, State Farm reviews it and contacts you, payment is issued to the contractor after you approve the completed repairs, and you pay your deductible directly to the contractor. State Farm lists a five-year workmanship warranty as a benefit. It also says the program is voluntary, you can choose your own contractor, and the listed benefits are available only through the program. State Farm's [contractor locator](https://www.statefarm.com/claims/home-and-property/contractor-locator) names network service providers that manage roofing contractor networks, and says State Farm does not guarantee or warrant their work or any contractor you select. Whichever way you go, get the estimate in writing, check that the roofer's insurance is active, and compare it against State Farm's estimate line by line. ## How Long State Farm Has to Act in Illinois Illinois defines "prompt investigation" as a bona fide effort to communicate with insureds and claimants, when liability is reasonably clear, within 21 working days after notice of loss, and "reasonable promptness" in acknowledging communications as a maximum of 15 working days ([50 Ill. Adm. Code 919.40](https://www.ilga.gov/commission/jcar/admincode/050/050009190000400R.html)). For fire and extended coverage claims, if a claim is unresolved more than 75 calendar days from the date it is reported, or 25 calendar days after proof of loss, whichever is less, the company must give you a written explanation for the delay with notice of the Department of Insurance (919.80(d)(7)(B)). If a claim stalls, the Department takes written complaints and allows the insurer 21 days to respond. If State Farm says no, read our [State Farm denied roof claim](https://chicagostormpros.com/insurance/state-farm-roof-claim-denied/) page. For the full carrier guide, see [State Farm roof claims](https://chicagostormpros.com/insurance/state-farm-roof-claim/). The [insurance claims page](https://chicagostormpros.com/insurance-claims/), the [public adjuster page](https://chicagostormpros.com/public-adjuster/), and the [free storm damage roof inspection](https://chicagostormpros.com/free-storm-damage-roof-inspection/) cover the rest. We're roofing contractors, not public adjusters, so we document the roof and write estimates and leave policy interpretation and negotiation to licensed public adjusters and attorneys. ## Free Roof Inspection Haag certified. Report is yours to keep. Free Inspection + Free Referral List State Farm Denied or Underpaid Your Claim? Two things, both free. First, a Haag-certified roof inspection with full photo documentation in the exact format carriers require, so any dispute starts from hard evidence. Second, our referral list of Illinois-licensed public adjusters who handle storm claims in Chicagoland, so if your claim needs a professional negotiator, you know who to call. One line we never cross: we're roofing contractors, not public adjusters. We don't interpret your policy or negotiate your settlement, because Illinois law reserves that work for licensed public adjusters. What we do is document your damage to a forensic standard and connect you with the right licensed help. No cost, no obligation, and nothing to sign. Full disclosure: we don't take referral fees from public adjusters, and no one on the list pays to be on it. Referrals are based on Illinois licensing and storm claim experience, and you're always free to hire any public adjuster you choose. [Get the Free Inspection + Referral List](#inspection-form) 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. ### Want the Roof Documented Before State Farm Looks? We'll inspect the roof for free, photograph and measure each slope, and give you the report to keep. We document damage. We don't interpret your policy or negotiate your settlement. [Get My Free Inspection](#inspection-form) Or call [(708) 847-5095](tel:+17088475095) ### Local Contractor, Not a Storm Chaser C&N Construction runs from 24 N Hillside Ave, Hillside, IL 60162. Permanent office, not a PO box. Licensed and insured in Illinois since 2015. Over 25,400 projects completed across Chicagoland with in-house W-2 crews. When we give you a warranty, we're still here to honor it. Sources ## Sources and Date Checked Each carrier, statute, or rule statement on this page comes from one of the sources below. We re-checked every link on the date shown. Policy wording varies by form, state, and endorsement, so your own policy controls. 1. [State Farm, Home & Property Claims](https://www.statefarm.com/claims/home-and-property) , checked October 22, 2026 2. [State Farm, Roof Claims](https://www.statefarm.com/claims/home-and-property/roof-claims) , checked October 22, 2026 3. [State Farm, Select Service Home Repair Program](https://www.statefarm.com/claims/home-and-property/select-service) , checked October 22, 2026 4. [State Farm, Contractor Locator Service](https://www.statefarm.com/claims/home-and-property/contractor-locator) , checked October 22, 2026 5. [State Farm Simple Insights, Understanding Replacement Cost vs Market Value (Apr. 16, 2026)](https://www.statefarm.com/simple-insights/residence/replacement-cost-vs-market-value) , checked October 22, 2026 6. [Illinois Department of Insurance, Disasters (what to do before, during and after a disaster)](https://idoi.illinois.gov/consumers/disasters.html) , checked October 22, 2026 7. [50 Ill. Adm. Code 919.40, Definitions (prompt investigation, reasonable promptness)](https://www.ilga.gov/commission/jcar/admincode/050/050009190000400R.html) , checked October 22, 2026 8. [50 Ill. Adm. Code 919.80, Required claim practices (partial-loss estimates, actual cash value, tolling notice)](https://www.ilga.gov/commission/jcar/admincode/050/050009190000800R.html) , checked October 22, 2026 9. [Illinois Department of Insurance, Understanding the Consumer Complaint Process](https://idoi.illinois.gov/consumers/understanding-complaint-process.html) , checked October 22, 2026 10. [Sproull v. State Farm Fire & Casualty Co., 2021 IL 126446 (Ill. Sept. 23, 2021)](https://law.justia.com/cases/illinois/supreme-court/2021/126446.html) , checked October 22, 2026 11. [Missouri Department of Insurance, Raising the Roof on Insurance Coverage (company-by-company roof summaries, including State Farm Fire and Casualty Company and Farmers Insurance Exchange; Missouri, not Illinois)](https://insurance.mo.gov/raising-roof-insurance-coverage) , checked October 22, 2026 Common Questions ## Frequently Asked Questions What are State Farm's requirements for roof replacement? State Farm does not publish a replacement checklist on the claims pages we checked on October 22, 2026. Its pages say roof damage from wind, hail, fire, and lightning is typically covered, including damage from a downed tree, and wear and tear, rot, deterioration, and workmanship typically aren't. Whether the adjuster scopes a repair or a replacement is decided at inspection. Documented damage tied to a storm date is what you can control. Does State Farm cover wind damage to my roof? State Farm's home and property claims page lists wind among the causes of roof damage that are typically covered. Your policy controls, and the page tells you to check it or ask your agent. Wear and tear, rot, and deterioration are listed as not typically covered, so a wind claim on an old roof often turns on cause. How much does State Farm pay for a new roof? State Farm doesn't publish a figure, and the number depends on your policy: the loss settlement basis, the deductible, and any roof-specific terms. State Farm says an actual cash value settlement subtracts depreciation and a replacement cost settlement generally doesn't, and that some policies treat roof claims differently from the rest of the home. Your declarations page and the adjuster's written estimate show your numbers. What is State Farm's Premier Service Program? State Farm's consumer pages now describe the Select Service Home Repair Program, including roofing services. We could not confirm how the older Premier Service name relates to it. The program is voluntary. State Farm sends an assignment to a network service provider, which matches you with a background-checked local roofer. State Farm lists a five-year workmanship warranty and direct payment to the contractor as benefits, and says they apply only if you use the program. Does State Farm require me to use a specific roofer? No. State Farm's roof claims page says it is your choice who you select and hire to provide an estimate or complete repairs. It suggests an established, licensed, or bonded roofer, references, and certificates of insurance, and it says State Farm does not warrant or guarantee the performance of any contractor you select. How long does State Farm have to decide a roof claim in Illinois? State Farm doesn't publish a fixed number of days. Illinois regulations set markers for fire and extended coverage claims: a bona fide effort to communicate when liability is reasonably clear within 21 working days after notice of loss, and a written explanation for the delay if a claim is unresolved more than 75 calendar days after it was reported, or 25 calendar days after proof of loss, whichever is less. If a claim stalls, the Illinois Department of Insurance takes written complaints. What if State Farm denies the roof claim? Illinois requires a written explanation, within 30 days after the investigation is completed, that cites the policy provision relied on. Our State Farm denial page walks through the evidence, estimate, complaint, and deadline steps. We document the roof and write estimates. We don't interpret policies or negotiate settlements. Get Started ## Get a Written Record of What's on the Roof Free Haag-certified inspection and a photo report you keep. No obligation, nothing to sign. Or call directly: [(708) 847-5095](tel:+17088475095) --- ## 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**: (708) 847-5095 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), "State Farm Roof Replacement Requirements: Illinois", https://chicagostormpros.com/insurance/state-farm-roof-replacement-requirements/