State Overview
Illinois
Storm Damage Claims (Hail, Wind, and Hurricane)
Illinois storm claim steps for hail, wind, tornado, and ice storm damage. Simple checklist, proof tips, and official resources.
A simple way to organize your claim
Create 3 lists:
1
Outside damage
2
Inside damage
3
Items damaged (photos + rough value)
What to look for after hail and high wind
Hail hits: shingles, gutters, window screens, siding
Wind hits: lifted shingles, loose flashing, blown-off vents
Water hits: ceiling stains, wet insulation, warped floors
Winter damage note
If you had ice or snow problems, keep:
- Photos of ice dams or heavy snow
- Photos of leaks and stains
- Receipts for emergency work (heat, plumbing, drying)
Explore by Storm Type
Different storms cause different types of damage. Learn about the claims process specific to your situation.
Hail Damage
Roof damage, dented vehicles, broken windows, and damaged siding from hailstones.
- Learn More
Wind Damage
Missing shingles, fallen trees, structural damage from high winds and tornadoes.
- Learn More
Hurricane Damage
Comprehensive damage from wind, rain, flooding, and storm surge from hurricanes.
- Learn More
Read Articles
Free guides to help you understand and manage your storm damage claim.
Helpful Resources
Illinois & National resources to help with your storm damage claim
ILLINOIS — Insurance Consumer Help
Illinois Department of Insurance (IDOI)
- 866-445-5364
- 320 W. Washington St., Springfield, IL 62767
- Visit Website
ILLINOIS — Emergency Management
Illinois Emergency Management Agency & Office of Homeland Security (IEMA-OHS)
- (217) 782-2700 | (217) 782-7860
- 2200 South Dirksen Parkway, Springfield, IL 62703
- Visit Website
FEMA Disaster Assistance
- 1-800-621-3362
- https://www.disasterassistance.gov/
SBA Disaster Assistance
- 1-800-659-2955
- https://www.sba.gov/funding-programs/disaster-assistance
Flood insurance info
- 1-877-336-2627
- https://www.floodsmart.gov/
American Red Cross:
- 1-800-733-2767
- https://www.redcross.org/
Weather alerts
Hurricane tracking
Illinois FAQs
Answers to common questions about storm damage insurance claims in Illinois.
What’s common storm damage in Illinois?
Hail, wind, and water damage are common. In winter, ice and snow can also cause leaks.
What’s the best proof for hail damage?
Clear photos of roof hits, gutters, screens, and metal dents.
Should I keep damaged items?
Yes, at least until you document them well and your insurer advises next steps.
Who helps with Illinois insurance complaints?
The Illinois Department of Insurance can help consumers.
Who handles emergency updates?
IEMA-OHS and the National Weather Service are strong sources.
Need Guidance?
If you have questions about your storm damage claim or need help understanding your options, we’re here to help point you in the right direction.