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:

Hail Damage

Dented or cracked shingles, siding, gutters, and exterior fixtures.

Wind Damage

Lifted or missing shingles, damaged roofing edges, and compromised structural components.

Roof Lifting & Leaks

Roofs that have shifted or loosened, creating potential for water intrusion.

Gutter Failure

Gutters that are bent, clogged, or unable to drain properly.

Siding Impacts

Cracks, dents, or holes in your siding caused by debris or hail.

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.

Hear From Our Clients

      
   Aegis Construction Group, Inc.
   300 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Neil Schwan 
 
 
 
 Trustindex verifies that the original source of the review is Google. After hail damage hit our roof, we called Aegis Construction, it turned out to be one of the smoother home repair experiences we've had, and that's saying something when insurance is involved. Our rep, Zach Greenberger, walked us through every step of the claims process and was always available when we had questions. They had a huge selection of high quality materials to choose from, showed up exactly when they said they would, and the crew did beautiful, clean work from start to finish. They even managed to sneak in a few upgrades to the house while still keeping everything within what our insurance covered. Aegis actually has a real facilities and offices, right here in Elmhurst and Villa Park, so you know they're not disappearing after a storm rolls through. Highly recommend them for any roofing or gutter work, hail damage or any other exterior projects you might have.
  
 
      Posted on Google  
   
   Lindsey Hauser 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mike and the team were super helpful navigating insurance and construction. I absolutely recommend.
  
 
      Posted on Google  
   
   Kate C 
 
 
 
 Trustindex verifies that the original source of the review is Google. From the very first phone call, my experience with Aegis Construction Group, Inc. has been exceptional. A few months ago, Mike came out to inspect my roof, and I was incredibly impressed with how thorough, honest, and professional he was. He took the time to carefully inspect everything and reassured me that my roof was in great shape. I truly appreciated that he wasn’t trying to sell me something I didn’t need. Unfortunately, our area has been hit hard with several severe storms since then, including another one after Mike’s inspection. I called Jake, the manager, to share my concerns, and without hesitation, he immediately arranged for someone to come back out and inspect my roof again just to make sure no new damage had occurred. That level of customer service is hard to find. The entire team genuinely cares about homeowners and goes above and beyond to provide honest advice, peace of mind, and outstanding service. It’s easy to see why Aegis Construction Group has so many glowing reviews, they’ve certainly earned them. If you’re looking for a trustworthy, knowledgeable, and responsive roofing company, I can’t recommend Aegis Construction Group, Inc. enough. Thank you to Mike, Jake, and the entire team for your professionalism, integrity, and exceptional customer care!
  
 
      Posted on Google  
   
   Jon Herrera 
 
 
 
 Trustindex verifies that the original source of the review is Google. After many attempts on finding a roofing company, Aegis was the only one to respond to my calls. Not only did they respond, but they did responded right away! I forgot who I talked to first but he was very responsive to me even during a difficult time he was going through. From there he sent over one of his guys to help me. I was helped by Bryan. He always kept in touch with me on what the plan was. He was on top of it. He also explained how some insurance companies worked and guided me throughout the whole process. While we were waiting for the shingles to arrive, they tarped the area of the roof that was damaged. I forgot who worked on my roof but he was done within an hour or so. Granted, it was a few shingles that had to be replaced. They also noticed my front siding was missing a piece and offered to fix it up as well. Amazing work and customer service from all the guys here.
  
 
      Posted on Google  
   
   Michael Adams 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’ve been involved with public project management for 40 years, and my experience with Aegis Construction Group (for my personal home roof and gutter replacement caused by hail damage) by far is one of the best contractor’s, especially Nico Buccieri, that I’ve worked with that included but not limited to: initial roof inspection, acceptance of Owner requested contractual terms & conditions, worker safety (OSHA compliance), contract administration/documentation (addendums, owner initiated change orders, waiver of liens, invoices, etc), insurance administration/cost negotiations, ethical, subcontractor management, material options, overall client communication,  quality of workmanship and fair pricing. Based on my specific experience I would consider rehiring Aegis for any future work.
  
 
      Posted on Google  
   
   Jennifer Meyer 
 
 
 
 Trustindex verifies that the original source of the review is Google. After a bad August storm we had our roof replaced. Howard from Aegis walked us through the insurance claims process and was in constant contact. Great guy to work with and enjoyable to talk to.  Moshi was great as well.  They both made the whole process seamless. Very glad I went with Aegis and I highly recommend them!
  
 
      Posted on Google  
   
   Carol Mikulski 
 
 
 
 Trustindex verifies that the original source of the review is Google. Aegis replaced my roof, soffits, gutters and downspouts.  The quality of work,  quality of products used, their amazing construction crews, the clean up, the finished product and communication during the construction was so much better than l anticipated.  If possible l would give them more than 5 stars.
  
 
      Posted on Google  
   
   Saraju Patel 
 
 
 
 Trustindex verifies that the original source of the review is Google. If you need your roof done, go with Carmen Curio (with Aegis Construction Group ) .  He has my highest recommendation. He has been diligently working through my situation with me since October(!), helping me through each phase of the process.  I don't want to go into too much detail here, but it all began when he alerted me to some red flags that were so disheartening at the time, but really ended up saving me a LOT of money and hassles in the long run.  Every time I text him, he replies promptly and never gives the impression that I'm annoying him...even though my friends all know how annoying I actually am. The roof is done, but the insurance process is not...and he is still going the extra mile to help me through it (even though Aegis Construction has been paid and Carmen has nothing really left to gain financially).  I feel like most people/companies in the same position just move on to the next paycheck, providing the "extra mile" only to secure the job.  This, in and of itself, speaks volumes about him and Aegis.  They are the real deal.  Thank you, Carmen.  I know I'm not your friend, but you're a friend.
  
 
      Posted on Google  
   
   Betsy Skibinski 
 
 
 
 Trustindex verifies that the original source of the review is Google. I feel your new website is most impressive, covering all questions a perspective buyer would be thinking. When mentioning siding, towns are mentioned...then it is stated plus...."surrounding towns ". What would those towns be? Might become a make or break it for customer.
  
 
      Posted on Google  
   
   Spencer Ten Haken 
 
 
 
 Trustindex verifies that the original source of the review is Google. 100% recommend Aegis!! We had hail damage to our roof right before an out-of-state move, and gave Aegis a call to help us out.  Kenny and Rae handled all the back and forth with insurance, worked hard to get us a fair adjustment, and provided us photos and updates along the way.  The work was done very promptly, and they made a very stressful situation as smooth as could be.