How Common Is Storm Damage in the Rockford Area?
Winnebago County sits in a corridor that sees significant hail and wind events every year. Even moderate hail — the size of a dime — can damage asphalt shingles in ways that are not obvious from the ground but create real long-term problems: granule loss, cracked tabs, and compromised underlayment. Wind events regularly lift shingles along ridges and rakes, opening the roof to water intrusion.
Step 1: Get a Post-Storm Inspection
Do not wait until you see a leak. By the time water is coming through, the deck and insulation are already compromised. After any significant hail or wind event in Loves Park or Rockford, call a licensed contractor for an inspection. Juno Construction offers storm damage inspections and will document what we find with photos and a written assessment — at no charge before the claim is filed.
Step 2: File the Claim
Call your homeowner’s insurance company and file a claim. Your insurer will send an adjuster to inspect the property. You are allowed to have your contractor present during the adjuster visit — and it is a good idea. Adjusters see dozens of properties a week; having a contractor there who knows what impact damage looks like on a Rockford-area roof ensures nothing is missed.
Step 3: Review the Scope of Work
The insurance company will issue an Explanation of Benefits (EOB) that specifies what they will pay for. Compare this to your contractor’s assessment. If the adjuster missed damage — especially on flashings, gutters, or siding — your contractor can submit a supplemental claim with documentation. This is a normal part of the process, not a conflict.
Step 4: Schedule the Work
Once the claim is approved, you’ll receive an Actual Cash Value (ACV) check — the depreciated value. After the work is complete, you submit proof of completion and receive the Recoverable Depreciation check. Do not cash the ACV check as payment in full — your insurer owes you depreciation recovery once the work is done.
Common Insurance Restoration Mistakes to Avoid
- Using a contractor who asks you to sign an Assignment of Benefits (AOB) before you understand the terms.
- Cashing the ACV check before the work is complete and depreciation recovery is filed.
- Hiring an out-of-state storm chaser who won’t be around for warranty service.
Juno Construction has handled insurance-claim roofing restorations across Loves Park, Rockford, and Winnebago County for years. We work directly with your adjuster and handle the documentation from inspection through final sign-off. Call us at (815) 721-7016.