866.848.9337 info@fourelementsrestoration.com 9930 Derby Lane Suite 202 Westchester, IL 60154

FAQ

How do I know if I have hail damage?

Not all damage is visible, so you may not even realize you have it. When a hail storm sweeps through your neighborhood, your roof, siding, and gutters need to be inspected by a qualified professional as soon as possible. Because roof damage can’t be seen from the ground, a trained expert needs to go up on your roof to examine the shingles. He’ll look for impact damage and bruising that can reduce the life expectancy of the roof.

What do I do first?

Make Four Elements Restoration your first call and we’ll contact your insurance company with you. Four Elements Restoration will inspect the entire exterior of your home, including the roof, siding, and gutters for any damage. We’ll take care all of the repairs and handle the entire insurance process for you, from start to finish.

What are the risks of not fixing a hail damaged roof?

The most common problems associated with hail damage are shingles that deteriorate at a rapid rate, the possibility of water infiltration and flooding. Over time, the suns UV rays will deteriorate the mat of the shingles which will ultimately cause water to leak through your roof which can cause serious issues including water damage, mold, structural damage, including roof collapse and wet insulation.

Do I need to get my roof replaced right away?

The devastating nature of hail damage is that you might not start experiencing problems, such as leaking, mold, or structural damage right away. But, because most insurance companies limit the time you can file a claim, it is important to get your roof inspected and fixed immediately, before your time to file a claim expires.

Will my Insurance premium rate go up? Or worse will they drop me?

Your insurance company can’t raise your rates or drop you for making a claim, because storm damage is considered an “act of God.” Hail storms are considered a natural event that is beyond your control, IT IS AGAINST STATE LAW FOR YOUR INSURANCE CARRIER TO INCREASE YOUR PREMIUMS OR DROP YOU BECAUSE OF A HAIL CLAIM. Your only out-of-pocket expense should be the deductible on your policy.

Is this an insurance scam?

No. You have been paying your insurance for years and are entitled for replacement damage to your home regardless of age or prior condition. A storm like the one that affected your area is very rare and has forced most insurance companies to send Catastrophe Action Teams (CAT) to the area to take care of the overwhelming number of claims. They are obligated to cover your loss at a fair market value.

Should I call my Insurance Agent?

No. Most of the Insurance companies have sent CAT teams to handle the large amount of claims. The CAT teams are paid differently and are a lot easier to deal with than the local claims adjusters. Your chances of an approval increase greatly when dealing with the corporate office and CAT teams, than your local insurance agent.

How much damage do I need to file a claim?

We are familiar with the parameters that insurance use to approve a claim. We will do a throughout inspection and will show you the results of our inspection. Since we will be meeting the insurance company for the adjuster meeting we would be wasting our time if we didn't feel that you are going to get approved.

Why do I need your company to assist in filing a claim?

We are intimately familiar with the terms and conditions of a myriad of insurance policies and laws. We will be able to provide the necessary documentation needed to attain the highest settlement possible for your hail and storm damage needs. We require that all our hail damage employees take an extensive one-year class and become certified forensics hail damage experts. This will enable them to determine actual; hail damage from normal wear and tear.

How can you provide this service to me for free? What's the catch?

There is no catch! We make money when the job is complete. Then we ask you to put a sign in your yard to let the neighborhood know that we were able to help you out. Then we send our door to door guys back through your neighborhood to get more jobs.