Dear Roofing.com Community:
As a homeowner in the suburbs of Chicago trying to navigate the process of possibly having my roof assessed for hail/storm damage, this site has been very helpful and a good starting point. Many of the contributors have opened my eyes to the complexity of this process.
My home’s roof is 21 years old and has had no issues since I moved in 6 years ago. Last May 2019, there was a hail storm in my area. After this, multiple roofing companies were going door-to-door in my area. I was skeptical of this, so I did not have anyone look at my roof.
Two neighbors were recently able to get roof replacements through state farm. From my reading, I fully understand these could be crappy roof replacements. This obviously has me wondering if in fact my roof also sustained damage.
I am hoping the experts on this site would kind enough to provide some advice on how to go about having my roof assessed for hail damage the “proper way”. I have done some reading and there appears to be some debate about how you approach the process. If a new roof is needed, I am looking to have the best roof system installed, and I am willing to pay above and beyond an insurance settlement if that is was is needed to obtain the ideal work.
Do you call the insurance first? Is there a risk if they come out and don’t find damage?
Do you call a roofer first? From this site, it seems like there are many who don’t like having to deal with the insurance company.
What are the thoughts on involving a public adjuster? What are the pros and cons? When should they get involved.
Thank you in advance for all the expert opinion.