Illinois weather is unpredictable, and strong windstorms can strike with little warning. Whether it’s gusts from severe thunderstorms in Springfield, high winds sweeping through the Chicago metro area, or tornado-strength winds in central and southern communities, these events can cause serious property damage. Roofs are often torn apart, siding is ripped away, windows are shattered, and entire structures are left vulnerable to water intrusion. Unfortunately, when property owners turn to their insurers for help, they frequently encounter resistance. At Vargas Gonzalez Delombard, our Illinois wind damage claim lawyers advocate for homeowners, businesses, condominium associations, and property managers to ensure insurers fulfill their promises.
What Insurance Should Cover in Wind Damage Claims
Most Illinois property insurance policies include wind damage as a covered peril. A proper claim should address both immediate repairs and secondary damage, such as water intrusion or mold caused by exposure after the storm. Coverage may include:
- Full roof repair or replacement;
- Replacement of siding, gutters, and windows;
- Interior repairs to flooring, drywall, and electrical systems damaged by leaks;
- Structural repairs for walls or framing weakened by wind; and
- Compensation for personal belongings, inventory, or business equipment destroyed by exposure.
Additionally, many commercial policies offer coverage for business interruption, enabling companies to recover lost income during periods of closure. Unfortunately, insurers often dispute the scope of these claims.
