An In-House Public Adjuster — Working for You, Not the Insurance Company

When you file an insurance claim for storm damage to your roof, your insurance company sends out an adjuster to inspect the damage and determine how much the company will pay. That adjuster is employed by — and paid by — the insurance company. Their professional incentive is to settle claims as efficiently as possible, which does not always mean as generously as possible for you.

A Public Adjuster is a licensed insurance professional who represents the policyholder — you — rather than the insurer. In Illinois, Public Adjusters must be licensed by the Department of Insurance and are legally obligated to act in the policyholder's best interest. They understand insurance policy language at the level of a professional who works with it every day, they know how to identify and document all covered damage items, and they negotiate the settlement with the insurance company on your behalf. Having a Public Adjuster in your corner is the insurance industry's equivalent of having an attorney — it levels a playing field that otherwise strongly favors the insurer.

Most homeowners who file storm damage claims without professional representation receive settlements that undercount the damage. This happens for several reasons. Insurance company adjusters may not get on the roof at all, or may conduct a cursory inspection that misses hail bruising, subtly wind-damaged shingles, and compromised flashing. Adjuster reports may exclude line items — proper ventilation restoration, code-required upgrades, interior damage from water intrusion — that a thorough claim should include. And without professional negotiation, an underpayment notice often goes unchallenged because homeowners do not know what they are entitled to.

IToch Roofing is the only roofing contractor serving the North Shore with a Public Adjuster on staff. This is not a service we outsource or refer out — it is built into how we handle storm damage projects. When you call us after a hail or wind event, you get both the roofing expertise to assess and restore your roof and the insurance expertise to make sure you are paid fairly for the work.

We handle claims involving hail damage to shingles, gutters, siding, and skylights; wind damage including missing shingles, lifted sections, and torn flashings; damage from falling trees and branches; and ice dam damage from severe winter weather. We also assist homeowners who have received underpaid settlements from prior claims and want to request a reinspection or supplement.

Our approach is to document everything thoroughly before any work begins — photographs of every impact point, soft metal strikes to confirm hail size, interior water damage, and a complete written scope of the restoration work required. This documentation package becomes the foundation of your claim and gives us the evidence needed to negotiate a full settlement. Call 224-619-5570 for a free damage assessment.