Roofing, insurance & financing questions

Yes — completely free and no-obligation across the north and northwest Chicago suburbs. We inspect your roof, gutters and siding, document any damage with photos, and give you an honest written report you can keep.

Isolated damage on a newer roof is usually a repair; widespread hail damage, granule loss or a roof past 18–20 years is usually a replacement. Our free inspection shows you the condition in photos so you can decide. See residential roofing.

We respond quickly to active leaks and storm damage across the Chicago suburbs during business hours (Mon–Fri, 8am–5pm), including temporary tarping. Call (866) 992-2982 and we will prioritize your home.

Premium asphalt shingle systems from GAF, Owens Corning and IKO, plus standing-seam metal roofing — all installed to spec with manufacturer warranty coverage. Compare shingle options.

You get the manufacturer’s shingle warranty plus our workmanship warranty on the installation. Because we install to the manufacturer’s specification, the full material warranty stays valid.

Yes — we’re a licensed Illinois roofing and general contractor. Outside: siding, seamless gutters, gutter cleaning, windows and doors, commercial roofing and storm restoration. Inside: kitchen and bathroom remodeling, flooring and painting.

Yes. State Restoration Services is a licensed and insured Illinois roofing contractor — family-owned, based in Lincolnshire, and rated 4.9 stars from 92 Google reviews. Learn more about us.

We’re based in Lincolnshire, IL and serve Lake and Cook County and the greater Chicago suburbs, including Arlington Heights, Palatine, Wheeling, Buffalo Grove, Northbrook, Vernon Hills and more.

We document the damage thoroughly and prepare a detailed, code-compliant replacement-cost estimate you can submit to your carrier. For the claim itself, our partner, a licensed Illinois public adjuster, State Adjusting Services, can represent you. See storm & insurance.

As a roofing contractor, we can’t — Illinois law reserves claim negotiation for licensed public adjusters. Our partner company, State Adjusting Services, is a licensed Illinois public adjuster and can represent you directly with your insurer.

Sudden damage from a covered event is commonly eligible: hail impacts, wind-lifted or missing shingles, damaged flashing, dented vents and gutters, and resulting leaks. Wear-and-tear and age typically aren’t covered. See our home insurance policy guide.

Yes — interest-free in-house financing (0% for up to 24 months) plus long-term lender plans for lower monthly payments, and it can be combined with an insurance claim. See financing or apply online.

It depends on size, pitch, materials and any decking repairs, but most single-family homes in the Chicago suburbs fall around $12,000–$20,000 for a full architectural-shingle replacement. You get an exact written price after a free inspection. See our roofing cost guide.

Our in-house pre-qualification uses a soft-pull credit check, which does not affect your credit score. Third-party lenders run their own approval; we walk you through the exact terms before anything is finalized. See financing.

Yes. Many homeowners finance their deductible or optional upgrades while their storm-damage claim covers the rest, so the project can start right away. Apply online.

Most single-family homes in the Chicago suburbs are torn off and re-roofed in one day. Larger homes, steep pitches or roofs needing decking repairs can run two to three days. We tell you the expected schedule in writing before we start, and we never leave a roof open overnight.

It is sometimes allowed — Illinois permits up to two layers — but we almost always recommend a full tear-off. Going over old shingles hides rotten decking, traps heat that ages the new shingles faster, and many manufacturers reduce warranty coverage on a layover. See what is included in a roof replacement.

No. Most homeowners go to work as usual. It helps if you are there for the first 15 minutes so the crew lead can walk the property with you and confirm access, but after that we handle everything and send you photos when the job is done.

Spring through fall is ideal because asphalt shingles seal down faster in warm weather, but we install year-round — winter roofs are done routinely with hand-sealing where needed. If your roof is leaking or storm-damaged, do not wait for better weather.

We tarp landscaping and siding before the tear-off, keep debris contained, and finish every job by running magnetic rollers over the lawn, driveway and beds to pick up nails. The site should look untouched apart from the new roof — if it does not, tell us and we come back.

We only tear off the area we can dry-in the same day, so your home is never left exposed. If weather turns, the open section is fully covered with underlayment and tarps, and we resume as soon as it is safe to work.

Most Chicago-area municipalities require a roofing permit, and we pull it for you as part of the job — that is why we hold contractor licenses in 20+ local villages and cities. You can see every license number on our licensed & insured page.

Hail bruises are often invisible from the ground. Look for granules in the gutters or downspout splash blocks, dents on soft metal like vents and gutter aprons, and dings on the AC condenser fins. Our free inspection documents everything with photos — start with our storm damage checklist.

A properly installed architectural asphalt roof typically lasts 20 to 25 years here; 3-tab shingles are closer to 15 to 20. Illinois freeze-thaw cycles, hail and attic ventilation all affect that. See how long a roof lasts in Chicago.

Only where the existing decking is rotted, delaminated or sagging — and we cannot know until the old roof is off. We show you any bad decking before replacing it, and the per-sheet price is agreed in the contract up front so there are no surprise line items.

Yes. Without balanced intake and exhaust, attic heat and moisture cook the shingles from underneath, shorten the roof’s life and cause ice dams in winter. Proper ventilation is part of every system we install — read more on attic ventilation and roof heat.

Be careful with anyone who knocks on your door after a storm, pressures you to sign the same day, or offers to “handle everything” with your insurer. Ask for an Illinois roofing license number, a local address and real local reviews. Ours are published on our licensed & insured page.

Hail and wind claims are weather-related, not at-fault claims, so they are treated differently from an accident you caused. That said, carriers can adjust rates region-wide after major storms, and no contractor can promise your premium will not change. Ask your agent how your specific policy is rated before you file.

Yes. Under Illinois law the deductible is your responsibility, and any contractor who offers to waive it, absorb it, or “build it into the estimate” is asking you to take part in insurance fraud. We never do that — but we do offer financing so the deductible does not have to come out of pocket all at once.

Most homeowner policies require prompt notice after the loss and set a filing window — commonly one year from the date of damage — so check your own policy language. Sooner is always better: damage gets harder to attribute to a specific storm over time. See filing a storm damage claim in Illinois.

A denial is not always final. Damage is regularly missed on a quick adjuster visit, and you can request a re-inspection with your documentation. Because Illinois law does not allow a roofing contractor to argue the claim, that is where a licensed public adjuster comes in — see how to choose a public adjuster.

RCV (replacement cost value) is what it costs to replace the roof today. ACV (actual cash value) subtracts depreciation for the age and wear of the old roof. With an RCV policy you usually get the depreciation back after the work is complete. Full breakdown: RCV vs ACV.

It is the portion of your claim the insurer holds back until the work is actually finished. Once the roof is complete and the final invoice and documentation are submitted, the carrier releases it. Many homeowners never claim it. Here is how to recover depreciation.

It depends on your policy and whether your existing shingle can still be matched. When a discontinued or unmatched shingle means a repair would leave the roof visibly mismatched, carriers often approve a full replacement. This is exactly the kind of argument a licensed public adjuster makes on your behalf — see storm & insurance.

A new roof is consistently one of the highest-return exterior projects, and it removes the single biggest objection buyers and home inspectors raise. Beyond resale, a documented recent roof makes a home easier to insure and faster to close.

Usually because they are not quoting the same job. Differences hide in tear-off vs layover, underlayment and ice-and-water coverage, ventilation, flashing replacement, decking allowance, permit and disposal, and warranty. Compare line by line — here is how to read a roofing estimate.

Yes — our in-house plans require no down payment, and interest-free terms are available up to 24 months. Longer lender-backed plans lower the monthly payment further. Pre-qualification uses a soft credit pull. Apply online or see financing options.

For your primary residence a replacement roof is generally not deductible in the year you pay for it, but it can add to your cost basis and reduce capital gains when you sell. Certain energy-efficient roofing may qualify for credits — see cool roofs. Always confirm with your own tax advisor.

In the short term, yes — a targeted repair is a fraction of a replacement. But repeat repairs on a roof past 18–20 years usually cost more than replacing it once, and they do not restore the warranty. Here is how we decide repair vs replacement.