Roofing Supplement Company Serving Illinois Contractors

Illinois is one of the highest-volume roofing supplement markets in the country. Spring hail events sweep across the Chicago metro and downstate markets with regularity, and the Lake Michigan-enhanced winter storms that hammer the northern part of the state create ice dam conditions that adjusters from warmer markets routinely miss. Kyle Hamrick is a licensed insurance adjuster with 20+ years of experience who works Illinois claims remotely — covering everything from suburban Cook County hail events to severe downstate tornado losses.

Illinois Storm Seasons: Hail, Wind, and Ice

Chicago, Aurora, Rockford, Joliet, Naperville, Springfield, Peoria, and Elgin are the major population centers — and all face significant roofing risk. The Chicago metro sees spring hail events that produce golf-ball-sized stones capable of destroying an entire roof system in 20 minutes. Lake-effect snow enhancement means northern Illinois homeowners deal with ice dams annually. Springfield and Peoria in central Illinois are in the heart of Illinois' spring severe weather corridor — tornado and large hail events are common from April through June. Downstate communities near the Missouri and Indiana borders see some of the state's most severe tornado-producing storm cells. Across all these markets, carrier initial estimates routinely undervalue the scope.

Primary Carriers Writing Illinois Claims

State Farm (headquartered in Bloomington, IL) is the dominant homeowner carrier in Illinois — and their supplement negotiation posture is extremely well-known. Farmers, American Family, Auto-Owners, Westfield, and Erie also have strong Illinois market presence. State Farm's local dominance means adjusters are under institutional pressure to minimize scopes — making professional supplement writing critical.

Xactimate Line Items Illinois Carriers Frequently Miss

• RFG ICEDAM — Ice and water shield; Illinois code requires ice barrier on all slopes under 4:12 in Climate Zones 5 and 6 (northern half of the state).
• RFG RIDGCP — Ridge cap replacement; hail impact on ridge caps is consistently undercounted by State Farm adjusters in Illinois — a known supplement opportunity.
• RFG FELT30 — Synthetic underlayment upgrade; Illinois's combined hail and moisture exposure justifies the upgrade over standard 15# felt.
• FLS PIPBT — Pipe boot replacement; hail impact shatters rubber pipe boots and adjusters routinely exclude them on large loss events.
• FLS VLYFLSH — Valley flashing; spring rain and snowmelt volume compromises valley systems that hail has already structurally weakened.
• RFG DECKIN — Decking replacement for sections damaged by hail penetration through aged OSB or plywood.
• CLN GUTTR — Gutter cleaning after major hail events; granule accumulation in gutters and downspouts is a legitimate supplement line item.
• O&P — Overhead & profit; Illinois GCs managing multi-trade hail losses are entitled to standard O&P — and State Farm routinely contests it until pressured.
• PERMITS — Chicago, Naperville, Rockford, and most Illinois municipalities require roofing permits; this line item is almost always missing from initial State Farm estimates.

AccuLynx Integration

Illinois contractors managing high-volume spring hail seasons rely on AccuLynx to track hundreds of active jobs. Our supplement packages export in Xactimate format and import directly into AccuLynx job records — keeping your production team aligned with the current approved scope on every claim.

$5,000 Money-Back Guarantee

Illinois claims — particularly State Farm claims — are among the most consistently supplemented in the country. We guarantee our work with a $5,000 money-back offer. Find legitimate line items or you pay nothing.

24-Hour Turnaround

When a hailstorm drops across the Chicago suburbs, the backlog builds overnight. We deliver completed Illinois supplement packages in 24 hours — so you can keep re- inspection requests moving before the carrier closes the file.