When a severe storm strikes Illinois, your roof takes the brunt of hail, wind, and heavy rain. But many homeowners hesitate to schedule a storm damage roof inspection or file an insurance claim. At TTLC Roofing, Siding, and Gutters, we talk to homeowners every day who are unsure if they should file a claim for roof damage or believe common myths that could cost them thousands of dollars.

Here are the top 7 insurance claim myths we hear after hail storms and severe weather in Illinois:

Myth #1: "If I file a roof insurance claim, my rates will go up."

In most cases, storm damage is considered an "Act of God" by insurance companies. Because you didn't cause the damage, filing a hail damage insurance claim typically won't affect your premium the same way an at-fault accident might. Insurance carriers build storm risk into your existing policy. Not filing a valid claim may leave you stuck paying for expensive roof repairs or full replacements later.

Myth #2: "My insurance company will cancel my policy if I file a claim."

Legitimate storm damage claims rarely lead to cancellation. In fact, failing to address storm damage could violate your policy's maintenance requirements and risk future denial of claims. At TTLC Roofing, our licensed Illinois roofing contractors work directly with insurance adjusters to ensure your claim is properly documented and processed.

Myth #3: "The roof doesn't look that bad, so I don't need a storm inspection."

Hail damage and wind damage can be nearly invisible to the untrained eye. Even minor-looking impacts can compromise shingles, flashing, and roof integrity, leading to leaks, mold, and costly structural repairs down the road. That's why it's critical to schedule a professional storm damage roof inspection right after severe weather. TTLC Roofing offers free, no-obligation inspections using advanced aerial imagery and our proprietary Investigate App to catch hidden damage.

Myth #4: "Insurance won't pay for a full roof replacement."

Insurance policies are designed to restore your property to its pre-storm condition. If your roof has sustained enough damage that repairs won't restore full integrity, your carrier may approve a full replacement. TTLC Roofing provides detailed reports, photographic evidence, and works with adjusters to ensure all covered damage is included.

Myth #5: "I have plenty of time to file a claim later."

Most homeowner insurance policies require claims to be filed within 6-12 months of the storm event. If you delay and miss these deadlines, your claim may be denied entirely. Acting quickly protects your eligibility. TTLC Roofing helps homeowners file claims promptly and correctly.

Myth #6: "All roofing contractors are the same."

Unfortunately, storm chasers and out-of-state contractors often flood Illinois communities after major storms. These companies may offer cheap repairs, disappear quickly, and leave you with warranty issues. TTLC Roofing is a local, family-owned Illinois roofing contractor, certified as an Owens Corning Platinum Preferred Contractor and CertainTeed Master Shingle Applicator, ensuring long-term quality, local accountability, and manufacturer-backed warranties.

Myth #7: "I'll get multiple bids and choose the cheapest roofer."

Insurance claims don't work like traditional home improvement projects. The insurance company determines the scope of work and cost based on documented damage. The most important thing is making sure ALL damage is properly identified and submitted. TTLC Roofing's expert inspectors ensure nothing is overlooked, maximizing your claim and protecting your home value.

Don't Risk Leaving Money on the Table After Storm Damage

Filing a roof insurance claim after storm damage doesn't have to be confusing or intimidating. With TTLC Roofing, Siding, and Gutters by your side, you'll have experienced Illinois storm restoration experts guiding you through every step, ensuring your claim is fully maximized, and your home is protected.

Schedule Your Free Storm Damage Inspection Today

If your Illinois home has experienced recent hail or wind storms, don't wait. Schedule a free roof inspection with TTLC Roofing today before your insurance filing window closes. Call us or request your inspection online today to protect your home, your investment, and your peace of mind.