Do I have to use the contractor my insurance company suggests?
No. You choose your contractor. Your carrier determines what it will cover, but the hiring decision is yours.
DuPage County · Permits via Village of Lombard
Lombard, IL Hail Damage Roofing and Insurance Restoration
Postwar Lombard homes on established streets, many still on aging three-tab. We document the damage properly and install to spec.
Storm Roofing Serving Lombard, Illinois
Lombard is a settled, established DuPage village where most of the housing predates the county's later growth spurts. Compact postwar homes on modest lots with mature landscaping make up the bulk of it, and the roofs follow: simple geometry, moderate pitch, and a lot of shingle systems that have been in service considerably longer than the manufacturer intended.
What that means practically is that we see a high proportion of roofs where a storm is the event that ends an already-marginal covering. Our job is to document what the storm actually did, clearly enough that it can be evaluated on the merits rather than dismissed as wear.
What Storms Do to Lombard Roofs
Older three-tab is the recurring theme. Its failure mode under wind is distinctive and easy to document: the seal strip lets go, the tab lifts, and it creases across the mat. A creased tab is finished even if it never leaves the roof, and photographing creases across a slope is often the clearest wind evidence available.
Under hail, aged asphalt bruises rather than resists. The mat goes soft under the impact point and the granule cover breaks up around it, and once the mat is compromised the shingle deteriorates from that point through subsequent freeze-thaw cycles. Mature landscaping adds a wrinkle here too — overhanging limbs shed debris into valleys and gutters, and clogged drainage produces water damage that has nothing to do with the storm. We record the difference.
DuPage County recorded 50 hail reports in 2026, compared with 8 in 2025 and 8 in 2024, according to NOAA storm reports. For a village with this much aging shingle, a season like that pushes a lot of roofs past the point of sensible repair at once.
Insurance Restoration in Lombard
We start by telling you whether you have a claim worth filing. If the roof is simply worn out with no storm damage, filing does not help you. If there is genuine impact or wind damage, we build a file: slope photos, test squares, creased-tab documentation, soft-metal collateral and interior findings.
From there we meet your adjuster, provide a line-item estimate, and submit supported supplements for items like drip edge, flashing, ventilation or decking where they are required and missing. Your carrier determines coverage and payment. No Illinois contractor may waive, absorb or credit your deductible, and we will not pretend otherwise.
- Straight answer on whether the damage supports a claim
- Crease, bruise and soft-metal documentation on aged shingle systems
- Drainage and debris conditions recorded separately from storm damage
- Adjuster meetings and evidence-backed supplements
- Permits and inspections through the Village of Lombard
Related reading: how storm damage insurance claims work and what a hail damage inspection covers.
After Hail in Lombard: First Steps
Photograph early, protect the interior, and take your time choosing who does the work.
- Photograph hail on the ground with something for scale before it melts.
- Walk the perimeter looking for creased or missing tabs and granule piles at downspouts.
- Photograph gutter faces, downspouts, siding, window wraps and the AC condenser.
- Clear debris from gutters so drainage problems do not get mistaken for storm damage.
- Verify the event using National Weather Service Chicago event summaries.
- Report to your carrier within your policy's timeframe.
You can confirm the date of a local storm through the National Weather Service Chicago event summaries. If a slope is open to the weather right now, start with emergency roof repair.
Illinois Roofing Licensing and Lombard Homeowners
Illinois is one of a small group of states that requires roofing contractors to hold a state license, issued through IDFPR. It is checkable, it is public, and checking it takes less time than reading a contract.
Our IDFPR roofing contractor license is active and carries the required $25,000 surety bond, and we have worked the Chicago suburbs since 2009. When DuPage County has an active hail season, Lombard gets its share of door knockers with out-of-state plates. Ask for the license number, verify it, and make sure the licensed entity is the one signing your contract and your workmanship warranty.
Storm Response Roofing has served the Chicago suburbs since 2009 and holds an active Illinois IDFPR roofing contractor license with a $25,000 surety bond.
Lombard Roofing Questions
What if my adjuster and my roofer disagree on the scope?
We submit a supplement with photographs and a line-item estimate supporting the missing work. The carrier reviews it and makes the determination.
Is drip edge required on a new roof?
Modern code and manufacturer requirements call for it, and many older Lombard roofs never had it. It should appear in the scope on any full replacement.
How long do I have to file a storm claim?
Policies vary, and many require prompt reporting after the loss. Check your policy and file as soon as you have documentation rather than waiting.
Nearby Communities We Serve
Villa Park, IL
Postwar homes with smaller footprints on tight lots, many still carrying older three-tab roofs at the end of their service life.
Downers Grove, IL
A DuPage village with genuinely mixed housing eras and mature tree cover, where roof condition varies sharply house to house.
Naperville, IL
Newer 1990s and 2000s housing with large, steep roof planes — big surfaces that make both storm damage and under-scoping easy to miss.
Get a Free Lombard Roof Inspection
We document the damage, meet your adjuster, and provide a line-item estimate. Your carrier determines coverage.