The 3 Step Storm Restoration Process

How To Recover From Storm Damage In Illinois

Illinois Tornado Preparedness & Safety

Illinois Homeowners, Get Help For Shorted Storm Damage Insurance Claims

The 3 Step Storm Restoration Process

The 3 Step Storm Restoration Process

Whether you live in an area that has dangerous spring storms and tornadoes, tropical hurricanes, or winter blizzards and ice, any home is susceptible to storm damage. While a hole in the roof from a falling tree may seem like obvious storm damage, a small roof leak and a humid attic could cause mold growth that could be just as detrimental in terms of storm restoration costs and a home cleaning would be quite neccesary. If you suspect your home has been damaged in a storm, it's important to act as quickly as possible to prevent more damage, mitigate the repair costs, and return your home to a safe place for your family.

1st Step - Evaluate Your Home's Damage With Careful Documentation

Storm damage restorationWhen it is safe to walk the inside and outside of your home, after the storm has passed, carefully assess your entire house for damage. Even if damage doesn't look bad - like a piece of siding you could reattach yourself - still take pictures and document it. If you have never filed a claim with your homeowners' insurance, know that they require extremely detailed documentation. Failure to provide detailed information leaves you at the mercy of the insurance adjuster and his assessment alone to determine your compensation. Unfortunately, your insurance company is hoping to pay you as little as possible. Many homeowners have even had their claim shorted so significantly that they were unable to make the repairs that would make their homes habitable again.

2nd Step - Schedule A Contractor To Assess The Damage

Having a reputable contractor evaluate your home's storm damage before filing a claim with your insurance company will give you a true estimate of what the repairs will cost. You can then use these figures to compare with the insurance adjuster's valuation and negotiate if necessary to ensure you're getting the maximum compensation needed to make repairs. Choose a local contractor that has been in business for a while and who has honest online reviews. Don't hesitate to ask for referrals, and if it would make you more comfortable, you can even request an estimator from the contractor be onsite when the insurance adjuster arrives. Many contractors are happy to oblige, especially if they're going to be working directly with your insurance company to complete the repairs and receive payment. It's in everyone's best interest that you receive a fair settlement that will cover all repairs. Once the contractor has assessed the damage, they will take temporary measures like putting a tarp over your roof, to protect your home until construction can begin.

3rd Step - Contact Your Homeowners' Insurance Company

Having detailed documentation and an estimate from a contractor before you file a claim will help keep your insurance company honest and help get you the most money possible. Depending on your contractor, they may have an established relationship with your insurance carrier and may offer to handle the claim for you. A lot of times this is easier for everyone and the process of repairs and payment can happen much more quickly. Storm damage is never something you want to deal with as a homeowner, but by following these three steps, the storm restoration process should go smoother, getting you and your family quickly and safely back in your home.

How To Recover From Storm Damage In Illinois

How To Recover From Storm Damage In Illinois

Illinois is known for its turbulent spring and winter storms, and Mother Nature is not selective when it comes to storm damage to your home. It might not always be as obvious as having half your roof violently ripped off; often, a slow, steady leak during the spring thaw can cause just as much damage. If your home has sustained storm damage, quick and decisive action is needed to protect your home and family and prevent further damage. Do these 3 things to recover from storm damage in Illinois.

Step 1 - Assess & Document The Damage

Once the storm has passed and it's safe to evaluate your home, carefully check the interior and exterior of your home for any damage. Take pictures and detailed notes documenting the damage, even if it seems minor. If you plan to file a claim with your homeowners' insurance, you will be required to submit very detailed information in order to get maximum compensation. storm restorationAn unfortunate reality is that your insurance company's goal is to get away with paying you the least amount of money as possible. In many cases, homeowners have been so shorted on their claims that they were financially unable to complete needed repairs to make their homes safe again.

Step 2 - Call A Reputable Local Contractor

Because not all insurance companies are as open with their purse strings as homeowners would like for them to be, it's often recommended you call a contractor to assess your storm damage before calling your insurance company. The contractor will give you the real cost to make the repairs, which you can compare with the insurance adjuster's estimate. Many contractors will even agree to have their estimator at your home when the adjuster comes to make sure you are getting a fair and accurate settlement that will cover all repairs in full. The contractor will then make any temporary repairs, such as tarping the roof, to keep the elements out until construction can begin.

Step 3 - File A Claim With Your Homeowners' Insurance

Or better yet, let your contractor handle it for you. A good local contractor has the experience and resources needed to negotiate with your insurance company, and can often handle the claim, do the work, and get paid directly by your insurance company, with little involvement from you. If you are forced to deal with your insurance company directly, be sure to have all your ducks in a row before you contact them. Document the damage personally and get a quote from a contractor well before an insurance adjuster ever steps foot on your property. The more knowledge you have, the better chance you have of maximizing your claim.

ProTek Construction Has More Than 30 Years' Experience With Storm Restoration In Naperville

If you live in Naperville or the surrounding Chicagoland suburbs, ProTek Construction has your back when it comes to storm restoration. Our goal is complete satisfaction and a quality job done right the first time. We work directly with your insurance company at no cost to you, and provide fast, free estimates to get the storm restoration process underway as quickly as possible to get your family safely back in your home. Call us at (331) 444-7380 for a free estimate.

Illinois Tornado Preparedness & Safety

Tornado Safety In Illinois

The spring 2016 storm season here in Illinois lived up to its reputation, with several major storm systems that included hail, lightning, damaging winds, and tornadoes. Fortunately, the Naperville and Aurora area did not experience tornadoes, but the Illinois towns of Pontiac and Ottawa were hit by several which caused significant destruction and injuries. The off season is the best time to prepare for severe storms. Is your home and family tornado-ready for the 2017 season?

ProTek is your Naperville Illinois home restoration expert.Illinois Has A Reputation For Severe Storm Weather

Did you know that Illinois ranks 6th in the country for most tornadoes per 10,000 square miles? The majority of tornadoes hit Illinois between April 1 and June 30, and on average, Illinois sees 46 tornadoes each year. Prior to this year, the last violent tornado was November 2013 when the small rural town of Washington was flattened by severe storms and tornadoes. Residents are still recovering from hail, wind and storm damage and rebuilding their community with home restoration and new construction. The impact of that storm reached far and wide, even affecting downtown Chicago and causing the evacuation of 60,000 fans out of Soldier Field.

Do You Know When A Tornado Is Coming?

When severe weather threatens, it’s important to know the difference between a tornado watch and a tornado warning.
  • A tornado watch means that weather conditions are ideal for a tornado TO DEVELOP.
  • A tornado warning means a tornado has actually been SIGHTED.
In either case, always track the storm by listening to your local radio station. In the event your local radio station also goes out, a battery-operated weather radio will provide nonstop forecasts and alerts directly from the NOAA National Weather Service.

Staying Safe In A Tornado

If you are indoors, take shelter in the basement or lowest level. If there is no basement, go to an interior room with no windows such as a closet, bathroom or under a staircase. The goal is to find the smallest place possible, the furthest away from windows and outer walls. If you have time, grab bike helmets, blankets and pillows to protect your body from falling debris. If you are outside without access to a building, find a ditch or ravine and lie on the ground as flat as possible. ALWAYS protect your head and neck by using your arms no matter where you are sheltering. A tornado preparedness plan is essential, especially for homes with small children. Having supplies packed and in your safe room before a storm threatens can be critical to your survival. Learn how to plan ahead and pack a tornado safety kit here.

After A Storm, Call ProTek Construction In Naperville

Once a storm passes and it's safe to leave your shelter, you'll want to quickly assess your home for storm damage. If you have significant damage that has exposed your home and family to the elements, it's important to call a contractor as soon as possible to temporarily protect your home until repair plans are made. ProTek Construction in Naperville serves the Chicago area suburbs with fast, reliable storm restoration services. Call us for a free estimate at (331) 444-7380. Mention code TORNADO10 to receive a 10% discount on any approved home exterior project.

Illinois Homeowners, Get Help For Shorted Storm Damage Insurance Claims

Storm Damage Claim Shorted By Your Insurance Company? Contact The Homeowners Consumer Center

If you are a homeowner anywhere in Illinois, and you have been significantly shorted on a claim for storm damage within the last two years, the Homeowners Consumer Center wants to talk to you.

Contact ProTek to learn more about our Chicagoland storm restoration services.What Type Of Insurance Claim?

The organization is looking for claims for damage due to storms, wind, rain, hail, or a plumbing leak. Specifically:
  • Severe spring or summer storms that resulted in roof, siding, or window damage.
  • Severe winter storms that could have caused roof leaks, pipe bursts, or home exterior damage.
  • Storms that would have significantly impacted an entire community or neighborhood in Illinois.

The Problem With These Claims

While many homeowners have no problems obtaining an adequate settlement from their insurance company that covers the cost of repairs, others have been so shorted they were financially unable to complete the repairs. "The homeowners we are trying to help in Illinois are those who submitted an insurance claim for wind, hail, rain, or storm damage in the last two years, and instead of getting enough money to make the repairs, they received far less than needed. In some instances we could be talking about tens of thousands less than needed to make the proper repairs.

How To Get In Touch With The Homeowners Consumer Center

This initiative is statewide and includes homeowners in any community in Illinois, such as Chicago, Springfield, Rockford, or Peoria. The claim must have been filed within the past two years, and homeowners must have well-documented proof of loss and a complete paperwork trail of their dealings with their insurance company. "If you are a homeowner in Illinois and an insurance company low balled you on a legitimate homeowners insurance claim we would like you to call us at 866-714-6466 so we can try to help you out," concluded the spokesperson from The Homeowners Consumer Center.

What To Do About Future Storm Damage

First, review your current homeowners insurance policy carefully and make sure you understand precisely what your coverage is. If you have recently remodeled or made updates to your home, you may need to increase your dwelling coverage, which is the cost to rebuild. Also check to make sure you have personal property coverage and loss of use coverage that would provide living expenses while your home is being repaired. The cost to increase the coverage, if necessary, is nominal compared to the out of pocket costs you may incur if you do not have adequate coverage. If your home is damaged by a storm, safety should be your first priority. Once the storm has passed, take plenty of pictures and thoroughly document the damage. Next, call a contractor like ProTek Construction in Naperville. We offer same day emergency services and can take initial steps to protect your home from further damage until you are able to contact your insurance company. When the insurance adjuster is scheduled to come to your home, we can have a ProTek estimator onsite as well to ensure the adjuster is making fair and reasonable valuations on the cost to repair the damage. If you need help repairing storm damage throughout the Chicago suburbs, partner with a contractor you can trust. Call ProTek Construction in Naperville at (331) 444-7380 for a free estimate. Mention code CONSUMER10 to receive a 10% discount on any approved home exterior project.