Insurance Claims Assistance
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Before filing an insurance claim, it’s essential to understand the value of having an experienced contractor by your side throughout the process. Acting as the homeowner’s personal representative, our team guides you through the claim and documents storm-related damage in alignment with the official date of loss. Most importantly, the insurance company will send its own adjuster to assess the property; this evaluation is where the contractor’s expertise proves most critical.
At Aegis, we understand that navigating the insurance claims process after experiencing damage from a storm or other catastrophe can be overwhelming. Our professionals make this process easier by supporting you every step of the way, from the initial inspection to working directly with your insurance adjuster and ensuring your claim accurately reflects the true extent of your damage. With our experienced team representing your best interests, you gain a trusted partner who helps simplify the process, reduces stress, and maximizes your recovery so your home gets the care it deserves.
Why Choose Aegis for Insurance Claims
Navigating an insurance claim after storm damage can be overwhelming, but with Aegis on your side, you’re never alone. Our team brings years of experience, full licensing, and industry certifications to every claim, ensuring your property is accurately assessed and documented.
We respond quickly after storms, providing thorough inspections and detailed reports to support your claim. Acting as your personal advocate, we guide you through each step, from documenting damage and communicating with your insurance adjuster to overseeing repairs that restore your home to its pre-storm condition.
With Aegis, you gain more than a contractor; you gain a trusted partner dedicated to protecting your home and maximizing your insurance recovery.
How the Insurance Claims Process Works
Filing an insurance claim can feel complicated, but understanding each step makes it much easier. From documenting storm damage to working with your adjuster and completing repairs, we guide you through the process to ensure your claim is handled efficiently and accurately.
1. Property Inspection
Before beginning the insurance claims process, it’s essential to have your property thoroughly inspected for storm damage. Storm damage is property damage that results from high winds, hail damage, or flying debris, such as branches, and can affect both the appearance and functionality of your home’s exterior.
The severity of damage is typically assessed by examining the condition of your roof, siding, and gutters. Key factors include the number and size of dented, broken, or missing shingles or siding, gutters that no longer drain properly, and any damage that has progressed to the interior, such as leaks.
Often, storm damage isn’t immediately visible, and homeowners may assume their property is unaffected. To prevent further issues like structural deterioration, mold, or moisture buildup, it’s wise to have a qualified expert from our team conduct a free inspection after any significant storm.
2. Submit a Claim
The next step is to file a claim with your insurance company and establish the Date of Loss (DOL). To process a storm damage claim, insurers require the storm and its specific date to be documented. Most insurance policies also impose a time limit for filing a claim after the recorded DOL.
Because storm damage is often subtle and goes unnoticed, some homeowners face challenges when filing claims if the storm date has lapsed. At Aegis, our team is professionally trained to identify a neighborhood’s DOL and accurately assess the full extent of damage, helping our clients minimize out-of-pocket costs and streamline the claims process.
3. Adjuster Appointment
Once an adjuster appointment is scheduled, the insurance adjuster will meet with an expert from our team at the property for a thorough evaluation. With our professionals on-site, we inspect every aspect of your home with the adjuster to ensure that no damage, large or small, is overlooked. Having a contractor present during these appointments greatly increases the likelihood of an approved claim. At Aegis, our top priority is always protecting the homeowner’s best interests.
4. Schedule
Once your claim is approved, an Aegis representative will review the insurance estimate with you in detail. The insurer calculates the Replacement Cost Value (RCV), the estimated cost to repair the damaged property.
The insurance company typically issues payment in two checks. The first is the Actual Cash Value (ACV), a portion of the RCV, which acts as a deposit to cover the materials needed to begin the project. After the work is completed to your satisfaction, the contractor submits the final invoice to the insurance company. The second check, covering any remaining depreciation, is then released to complete the payment process.
Once the estimate is fully reviewed and explained, you can select your preferred products and colors and schedule your exterior renovation.
Have questions about storm damage or the insurance claims process? Contact us today, our team is happy to provide a detailed explanation and guide you every step of the way.
Common Types of Storm Damage We Handle
At Aegis, we help homeowners identify and document a wide range of storm-related damage to ensure claims are accurate and comprehensive. Some of the most common issues we assess include:
01
Hail Damage
Dented or cracked shingles, siding, gutters, and exterior fixtures.
02
Wind Damage
Lifted or missing shingles, damaged roofing edges, and compromised structural components.
03
Roof Lifting & Leaks
Roofs that have shifted or loosened, creating potential for water intrusion.
04
Gutter Failure
Gutters that are bent, clogged, or unable to drain properly.
06
Interior Water Damage
Leaks, ceiling stains, and moisture intrusion that often result from unseen roof or siding issues.
Ready to Protect Your Home? Contact Aegis Today
Dealing with storm damage and navigating the insurance claims process can be stressful, but you don’t have to face it alone. At Aegis, our experienced team is here to guide you every step of the way from a thorough inspection and documentation of storm damage to working directly with your insurance adjuster and overseeing repairs to restore your home.
Don’t wait for minor damage to become a major problem. Schedule your free inspection today and let us help maximize your insurance coverage while protecting the value and safety of your home.
Call us now at (773) 812-3447 or fill out our online contact form to get started. Your home deserves the care and expertise that only Aegis can provide.
Insurance Claims FAQs
Why should I have a contractor present during an insurance adjuster appointment?
Having a licensed contractor from Aegis on-site ensures that no damage, large or small, is overlooked. Our team documents all storm-related issues and advocates for your best interests, which increases the likelihood of an approved and fully accurate insurance claim.
What is the Date of Loss (DOL) and why is it important?
The Date of Loss (DOL) is the specific date a storm or damaging event occurred. Insurance companies require this date to process your claim and typically impose time limits for filing. Identifying the correct DOL helps prevent delays or denied claims.
What types of storm damage does Aegis assess?
We evaluate a wide range of storm-related damage, including hail damage, wind damage, roof lifting and leaks, gutter failure, siding impacts, and interior water damage. Our experts thoroughly document all affected areas to support your insurance claim.
How does the insurance payout process work with Aegis?
Once your claim is approved, the insurance company calculates the Replacement Cost Value (RCV). Payment usually comes in two checks: the Actual Cash Value (ACV) to cover initial materials and a second check for depreciation after the project is completed. Our team helps you review estimates, select materials, and schedule repairs to ensure a smooth process.
Do I need an inspection even if I don’t see obvious storm damage?
Yes. Many storm-related damages are subtle and may go unnoticed. A professional inspection from Aegis can uncover hidden issues like leaks, dents, or compromised gutters before they lead to structural damage, mold, or moisture problems.
Main Office & Showroom
851 N Villa Avenue, Villa Park, IL 60180
Elmhurst Office – Appointment Only
331 N. York Street, Unit B, Elmhurst, IL 60126
Madison Office
1 Point Place, Suite 101, Madison, WI 53719