ILLINOIS
Roofing supplement and appraisal clause resources for Illinois contractors and homeowners.
APPRAISAL CLAUSE IN ILLINOIS
Illinois insurance policies typically contain appraisal clauses that provide a mechanism for resolving disputes about loss amounts. Illinois courts have consistently enforced these provisions.
Insured's fee — not due until after insurance payment is received
*Roof damage only. Additional fees for other damage types.
HOW ADJUSTERS UNDERPAY IN ILLINOIS
Insurance adjusters use Xactimate software to create estimates, but they often use tactics that result in underpayment. Here are common issues we see in Illinois:
Chicago metro labor rates in Xactimate lag significantly behind actual costs
Flat roof repairs in urban areas are often undervalued
Historic building repairs require specialized methods not in Xactimate
Ice dam and freeze damage is frequently underscoped
COMMON STORM TYPES
ILLINOIS TIPS
- Chicago area has specific building code requirements
- Flat roof repairs require specialized contractors
- Document ice dam damage patterns carefully
- Illinois has specific contractor licensing requirements