by Andy Huffman | Apr 23, 2026 | Storm Damage & Insurance
ACV vs. RCV Roof Insurance — What Every Indiana and Illinois Homeowner Needs to Know
The single most important thing in your homeowners insurance policy for your roof isn’t the coverage amount or the deductible. It’s three letters: ACV or RCV.
Most homeowners have no idea which one they have — until they file a claim and find out the hard way.
What RCV Means (The Good One)
RCV stands for Replacement Cost Value. With an RCV policy, your insurance pays for a new roof of similar quality at today’s prices — with no deduction for your roof’s age or condition.
Example: Your 12-year-old roof is destroyed by hail. A new roof costs $16,000.
With RCV coverage: Insurance pays $16,000 minus your deductible.
You pay: Your deductible only.
RCV policies typically pay in two stages:
1. First check: The ACV (depreciated) value — issued when the claim is approved
2. Second check: The “recoverable depreciation” — issued after you complete repairs and submit proof
You must complete repairs to get the second check. Most RCV claims in Indiana and Illinois have 1-2 years to complete repairs and claim this second payment.
What ACV Means (The Expensive One)
ACV stands for Actual Cash Value. Your insurance pays for what your roof was worth at the time of the loss — accounting for age and depreciation.
Same example: Your 12-year-old roof is destroyed by hail. New roof costs $16,000.
With ACV coverage: Insurance calculates your roof has used about 50% of its life. They pay approximately $8,000 minus your deductible.
You pay: The remaining $8,000+ yourself.
On a 20-year-old roof, ACV coverage may pay almost nothing.
How to Find Out Which You Have
Look at your Policy Declarations Page — the summary document typically at the front of your insurance packet. Look for the words “Replacement Cost” or “Actual Cash Value” under your dwelling coverage section.
If you can’t find it, call your insurance agent and ask directly: “Is my roof covered on a replacement cost basis or actual cash value basis?”
Why More Indiana and Illinois Homeowners Are Getting ACV Than They Realize
Insurance companies have been quietly shifting older roofs to ACV coverage. Many policies now include clauses like:
– “Roofs over 20 years old covered at actual cash value only”
– “Roof coverage based on age of roof at time of loss”
If you haven’t reviewed your policy recently — especially if your roof is 15+ years old — there’s a real chance you’ve been moved to ACV without realizing it.
What to Do If You Have ACV Coverage
Short term: ACV coverage doesn’t mean you’re out of options.
– Alamo’s 0% for 18 months financing can cover the gap between your ACV payout and the full replacement cost
– Some insurance policies allow you to upgrade to RCV coverage by paying a higher premium — ask your agent
Long term: Replace your roof before it ages further. A newer roof is more likely to qualify for RCV coverage. The longer you wait with an aging roof, the worse the ACV calculation gets.
The Deductible Situation in Indiana and Illinois
Even with RCV coverage, your deductible is your out-of-pocket cost. Most standard policies have deductibles of $500-$2,500.
Watch for wind/hail deductibles — separate, higher deductibles specifically for weather damage. Some Indiana and Illinois policies express these as a percentage of your home’s insured value: a $300,000 home with a 2% wind/hail deductible means $6,000 out of pocket before insurance contributes.
Alamo’s 0% for 18 months financing is the most popular way to cover deductibles — many homeowners pay it off within 12 months at zero interest cost.
How Alamo Helps
We review your policy with you at your estimate, help you understand what your insurance should cover, document all damage thoroughly, and work with your adjuster to maximize your settlement — at no charge.
Call (219) 224-2636 if you have questions about your coverage or want a free inspection.
About Alamo Roofing Contractors
Alamo Roofing Contractors is a GAF Master Elite certified roofing contractor serving Northwest Indiana and northern Illinois since 2017. Based in Portage, Indiana, we serve Lake County, Porter County, LaPorte County, Cook County, Will County, and DuPage County with residential and commercial roofing, siding, gutters, and exterior services.
[Schedule Your Free Estimate] → [https://api.leadconnectorhq.com/widget/booking/DKc0HhICa64zXLn8XJtX]
[Call (219) 224-2636] → tel:+12192242636
Mon–Fri 9AM–5PM | Sat 9AM–3PM | 24/7 Emergency Storm Response
by Andy Huffman | Apr 23, 2026 | Storm Damage & Insurance
The single most important thing in your homeowners insurance policy for your roof isn’t the coverage amount or the deductible. It’s three letters: ACV or RCV.
Most homeowners have no idea which one they have — until they file a claim and find out the hard way.
What RCV Means (The Good One)
RCV stands for Replacement Cost Value. With an RCV policy, your insurance pays for a new roof of similar quality at today’s prices — with no deduction for your roof’s age or condition.
Example: Your 12-year-old roof is destroyed by hail. A new roof costs $16,000.
With RCV coverage: Insurance pays $16,000 minus your deductible.
You pay: Your deductible only.
RCV policies typically pay in two stages:
1. First check: The ACV (depreciated) value — issued when the claim is approved
2. Second check: The “recoverable depreciation” — issued after you complete repairs and submit proof
You must complete repairs to get the second check. Most RCV claims in Indiana and Illinois have 1-2 years to complete repairs and claim this second payment.
Professional inspection ensures no damage goes undetected
What ACV Means (The Expensive One)
ACV stands for Actual Cash Value. Your insurance pays for what your roof was worth at the time of the loss — accounting for age and depreciation.
Same example: Your 12-year-old roof is destroyed by hail. New roof costs $16,000.
With ACV coverage: Insurance calculates your roof has used about 50% of its life. They pay approximately $8,000 minus your deductible.
You pay: The remaining $8,000+ yourself.
On a 20-year-old roof, ACV coverage may pay almost nothing.
How to Find Out Which You Have
Look at your Policy Declarations Page — the summary document typically at the front of your insurance packet. Look for the words “Replacement Cost” or “Actual Cash Value” under your dwelling coverage section.
If you can’t find it, call your insurance agent and ask directly: “Is my roof covered on a replacement cost basis or actual cash value basis?”
💡 Pro Tip
Schedule a professional inspection within 30 days of any major storm. Early detection prevents costly repairs down the road.
Quality materials and expert installation make the difference
Why More Indiana and Illinois Homeowners Are Getting ACV Than They Realize
Insurance companies have been quietly shifting older roofs to ACV coverage. Many policies now include clauses like:
- “Roofs over 20 years old covered at actual cash value only”
- “Roof coverage based on age of roof at time of loss”
If you haven’t reviewed your policy recently — especially if your roof is 15+ years old — there’s a real chance you’ve been moved to ACV without realizing it.
What to Do If You Have ACV Coverage
Short term: ACV coverage doesn’t mean you’re out of options.
– Alamo’s 0% for 18 months financing can cover the gap between your ACV payout and the full replacement cost
– Some insurance policies allow you to upgrade to RCV coverage by paying a higher premium — ask your agent
Long term: Replace your roof before it ages further. A newer roof is more likely to qualify for RCV coverage. The longer you wait with an aging roof, the worse the ACV calculation gets.
Alamo Roofing serves Lake County, Porter County & northern Illinois
The Deductible Situation in Indiana and Illinois
Even with RCV coverage, your deductible is your out-of-pocket cost. Most standard policies have deductibles of $500-$2,500.
Watch for wind/hail deductibles — separate, higher deductibles specifically for weather damage. Some Indiana and Illinois policies express these as a percentage of your home’s insured value: a $300,000 home with a 2% wind/hail deductible means $6,000 out of pocket before insurance contributes.
📞 Need Help?
Alamo Roofing provides free drone inspections across Northwest Indiana. Call (219) 248-2194 for a no-obligation assessment.
Alamo’s 0% for 18 months financing is the most popular way to cover deductibles — many homeowners pay it off within 12 months at zero interest cost.
How Alamo Helps
We review your policy with you at your estimate, help you understand what your insurance should cover, document all damage thoroughly, and work with your adjuster to maximize your settlement — at no charge.
Ready for Your Free Roof Inspection?
Call us at (219) 248-2194 or book online below.
Mon–Fri 9AM–5PM | Sat 9AM–3PM | 24/7 Emergency Storm Response
Schedule Your Free Roof Inspection
Get Your Free Roof Inspection
Free drone inspections across Lake County, Porter County & northern Illinois. Honest assessments — repair, replace, or no action needed.
(219) 248-2194
Book Online
Mon–Fri 9AM–5PM · Sat 9AM–3PM · 24/7 Emergency Storm Response
Schedule Your Free Roof Inspection
by Andy Huffman | Apr 23, 2026 | Storm Damage & Insurance
ACV vs. RCV Roof Insurance — What Every Indiana and Illinois Homeowner Needs to Know
The single most important thing in your homeowners insurance policy for your roof isn’t the coverage amount or the deductible. It’s three letters: ACV or RCV.
Most homeowners have no idea which one they have — until they file a claim and find out the hard way.
What RCV Means (The Good One)
RCV stands for Replacement Cost Value. With an RCV policy, your insurance pays for a new roof of similar quality at today’s prices — with no deduction for your roof’s age or condition.
Example: Your 12-year-old roof is destroyed by hail. A new roof costs $16,000.
With RCV coverage: Insurance pays $16,000 minus your deductible.
You pay: Your deductible only.
RCV policies typically pay in two stages:
1. First check: The ACV (depreciated) value — issued when the claim is approved
2. Second check: The “recoverable depreciation” — issued after you complete repairs and submit proof
You must complete repairs to get the second check. Most RCV claims in Indiana and Illinois have 1-2 years to complete repairs and claim this second payment.
What ACV Means (The Expensive One)
ACV stands for Actual Cash Value. Your insurance pays for what your roof was worth at the time of the loss — accounting for age and depreciation.
Same example: Your 12-year-old roof is destroyed by hail. New roof costs $16,000.
With ACV coverage: Insurance calculates your roof has used about 50% of its life. They pay approximately $8,000 minus your deductible.
You pay: The remaining $8,000+ yourself.
On a 20-year-old roof, ACV coverage may pay almost nothing.
How to Find Out Which You Have
Look at your Policy Declarations Page — the summary document typically at the front of your insurance packet. Look for the words “Replacement Cost” or “Actual Cash Value” under your dwelling coverage section.
If you can’t find it, call your insurance agent and ask directly: “Is my roof covered on a replacement cost basis or actual cash value basis?”
Why More Indiana and Illinois Homeowners Are Getting ACV Than They Realize
Insurance companies have been quietly shifting older roofs to ACV coverage. Many policies now include clauses like:
– “Roofs over 20 years old covered at actual cash value only”
– “Roof coverage based on age of roof at time of loss”
If you haven’t reviewed your policy recently — especially if your roof is 15+ years old — there’s a real chance you’ve been moved to ACV without realizing it.
What to Do If You Have ACV Coverage
Short term: ACV coverage doesn’t mean you’re out of options.
– Alamo’s 0% for 18 months financing can cover the gap between your ACV payout and the full replacement cost
– Some insurance policies allow you to upgrade to RCV coverage by paying a higher premium — ask your agent
Long term: Replace your roof before it ages further. A newer roof is more likely to qualify for RCV coverage. The longer you wait with an aging roof, the worse the ACV calculation gets.
The Deductible Situation in Indiana and Illinois
Even with RCV coverage, your deductible is your out-of-pocket cost. Most standard policies have deductibles of $500-$2,500.
Watch for wind/hail deductibles — separate, higher deductibles specifically for weather damage. Some Indiana and Illinois policies express these as a percentage of your home’s insured value: a $300,000 home with a 2% wind/hail deductible means $6,000 out of pocket before insurance contributes.
Alamo’s 0% for 18 months financing is the most popular way to cover deductibles — many homeowners pay it off within 12 months at zero interest cost.
How Alamo Helps
We review your policy with you at your estimate, help you understand what your insurance should cover, document all damage thoroughly, and work with your adjuster to maximize your settlement — at no charge.
Call (219) 224-2636 if you have questions about your coverage or want a free inspection.
About Alamo Roofing Contractors
Alamo Roofing Contractors is a GAF Master Elite certified roofing contractor serving Northwest Indiana and northern Illinois since 2017. Based in Portage, Indiana, we serve Lake County, Porter County, LaPorte County, Cook County, Will County, and DuPage County with residential and commercial roofing, siding, gutters, and exterior services.
[Schedule Your Free Estimate] → [https://api.leadconnectorhq.com/widget/booking/DKc0HhICa64zXLn8XJtX]
[Call (219) 224-2636] → tel:+12192242636
Mon–Fri 9AM–5PM | Sat 9AM–3PM | 24/7 Emergency Storm Response
by Andy Huffman | Apr 16, 2026 | Storm Damage & Insurance
7 Signs Your Northwest Indiana Roof Has Hail Damage (Even If It’s Not Leaking)
This is the most expensive mistake Northwest Indiana homeowners make after a hailstorm: they look up, see no missing shingles, and assume their roof is fine.
Hail damage doesn’t always cause immediate leaks. It bruises shingles, cracks the asphalt mat beneath, and knocks off the protective granules that shield your roof from UV exposure and weather. The roof may look intact from the ground — and start leaking 6, 12, or 24 months later.
By then, your insurance claim window has potentially closed, and you’re paying for a repair that should have been covered.
Here are the 7 signs your Lake County or Porter County roof has hail damage — even if it’s not leaking yet.
Sign 1 — Granules Filling Your Gutters
Walk to your downspouts after a significant hailstorm and look for granules — the small sand-like particles that cover asphalt shingles. A handful of granules after a storm is normal. A substantial amount filling your gutters is a red flag.
Granules are the first line of defense on your shingles. When hail knocks them off in quantity, the exposed asphalt underneath begins to dry out, crack, and deteriorate much faster. A roof that loses significant granules from hail typically ages 5-10 years faster than expected.
Sign 2 — Dark Spots or Bare Patches on Shingles
From ground level with binoculars, look for dark circular spots or areas where shingles appear to have a different texture. These are hail impact bruises — areas where the granule layer was knocked off by direct hail impact.
Fresh impacts appear dark because the exposed asphalt hasn’t yet oxidized. This damage is often invisible from the ground without getting close — which is why drone inspections matter.
Sign 3 — Dented Gutters, Downspouts, or Vents
Aluminum gutters and downspouts are excellent hail damage indicators. If hailstones were large enough to dent them, they were large enough to damage your shingles. Check your:
– Gutters and downspouts for circular dents
– Metal roof vents for impact marks
– AC condenser unit for denting
– Satellite dish for damage
Insurance adjusters use these metal components as supporting evidence of hail size during a claim. Don’t let anyone repair them before your adjuster sees them.
Sign 4 — Cracked or Split Shingles
Unlike wind damage which tends to lift shingles, large hailstones crack shingles on impact. Check the edges and corners of shingles closest to the peak and valleys of your roof — these areas tend to show impact damage most clearly.
Cracked shingles will eventually lift, curl, or separate, allowing water infiltration. The freeze-thaw cycles Lake County and Porter County experience every winter accelerate this deterioration significantly.
Sign 5 — Random Pattern of Damage (Not Following Wind Direction)
Hail damage appears in random patterns across a roof — wherever hailstones happened to hit. Wind damage typically follows a consistent direction. If you see damage scattered randomly across your roof with no obvious directional pattern, hail is the likely cause.
This distinction matters for your insurance claim — documenting the random pattern helps establish that the damage is hail-related rather than age-related wear.
Sign 6 — Damaged Roof Valleys
Roof valleys — where two roof planes meet and water concentrates — are among the most vulnerable areas to hail impact. Check these areas carefully for cracks, exposed felt, or missing granules. Valley damage creates fast pathways for water infiltration.
Sign 7 — Interior Attic Staining You Haven’t Seen Before
After any significant storm, check your attic with a flashlight. Look for:
– New water stains on the underside of the roof decking
– Daylight visible through the decking (a major sign)
– Wet or darkened insulation
– Any change from what you’ve seen before
If you find any of these after a storm, document them with photos immediately — these are critical evidence for your insurance claim.
Why You Should Get a Professional Inspection Within 30 Days of a Storm
Indiana homeowners insurance policies generally require timely reporting of damage. Insurance companies increasingly use satellite imagery and weather data to verify whether damage is consistent with a specific storm event. The longer you wait:
– Evidence degrades
– Secondary damage complicates the original claim
– Your claim window may close
– The insurance company has more grounds to dispute the cause
Alamo Roofing provides free drone inspections across Lake County, Porter County, and northern Illinois. We’ll inspect your roof, document all damage, and give you an honest assessment — repair, replace, or no action needed.
Call (219) 224-2636 to schedule your free post-storm inspection.
About Alamo Roofing Contractors
Alamo Roofing Contractors is a GAF Master Elite certified roofing contractor serving Northwest Indiana and northern Illinois since 2017. Based in Portage, Indiana, we serve Lake County, Porter County, LaPorte County, Cook County, Will County, and DuPage County with residential and commercial roofing, siding, gutters, and exterior services.
[Schedule Your Free Estimate] → [https://api.leadconnectorhq.com/widget/booking/DKc0HhICa64zXLn8XJtX]
[Call (219) 224-2636] → tel:+12192242636
Mon–Fri 9AM–5PM | Sat 9AM–3PM | 24/7 Emergency Storm Response
by Andy Huffman | Apr 16, 2026 | Storm Damage & Insurance
7 Signs Your Northwest Indiana Roof Has Hail Damage (Even If It’s Not Leaking)
This is the most expensive mistake Northwest Indiana homeowners make after a hailstorm: they look up, see no missing shingles, and assume their roof is fine.
Hail damage doesn’t always cause immediate leaks. It bruises shingles, cracks the asphalt mat beneath, and knocks off the protective granules that shield your roof from UV exposure and weather. The roof may look intact from the ground — and start leaking 6, 12, or 24 months later.
By then, your insurance claim window has potentially closed, and you’re paying for a repair that should have been covered.
Here are the 7 signs your Lake County or Porter County roof has hail damage — even if it’s not leaking yet.
Sign 1 — Granules Filling Your Gutters
Walk to your downspouts after a significant hailstorm and look for granules — the small sand-like particles that cover asphalt shingles. A handful of granules after a storm is normal. A substantial amount filling your gutters is a red flag.
Granules are the first line of defense on your shingles. When hail knocks them off in quantity, the exposed asphalt underneath begins to dry out, crack, and deteriorate much faster. A roof that loses significant granules from hail typically ages 5-10 years faster than expected.
Sign 2 — Dark Spots or Bare Patches on Shingles
From ground level with binoculars, look for dark circular spots or areas where shingles appear to have a different texture. These are hail impact bruises — areas where the granule layer was knocked off by direct hail impact.
Fresh impacts appear dark because the exposed asphalt hasn’t yet oxidized. This damage is often invisible from the ground without getting close — which is why drone inspections matter.
Sign 3 — Dented Gutters, Downspouts, or Vents
Aluminum gutters and downspouts are excellent hail damage indicators. If hailstones were large enough to dent them, they were large enough to damage your shingles. Check your:
– Gutters and downspouts for circular dents
– Metal roof vents for impact marks
– AC condenser unit for denting
– Satellite dish for damage
Insurance adjusters use these metal components as supporting evidence of hail size during a claim. Don’t let anyone repair them before your adjuster sees them.
Sign 4 — Cracked or Split Shingles
Unlike wind damage which tends to lift shingles, large hailstones crack shingles on impact. Check the edges and corners of shingles closest to the peak and valleys of your roof — these areas tend to show impact damage most clearly.
Cracked shingles will eventually lift, curl, or separate, allowing water infiltration. The freeze-thaw cycles Lake County and Porter County experience every winter accelerate this deterioration significantly.
Sign 5 — Random Pattern of Damage (Not Following Wind Direction)
Hail damage appears in random patterns across a roof — wherever hailstones happened to hit. Wind damage typically follows a consistent direction. If you see damage scattered randomly across your roof with no obvious directional pattern, hail is the likely cause.
This distinction matters for your insurance claim — documenting the random pattern helps establish that the damage is hail-related rather than age-related wear.
Sign 6 — Damaged Roof Valleys
Roof valleys — where two roof planes meet and water concentrates — are among the most vulnerable areas to hail impact. Check these areas carefully for cracks, exposed felt, or missing granules. Valley damage creates fast pathways for water infiltration.
Sign 7 — Interior Attic Staining You Haven’t Seen Before
After any significant storm, check your attic with a flashlight. Look for:
– New water stains on the underside of the roof decking
– Daylight visible through the decking (a major sign)
– Wet or darkened insulation
– Any change from what you’ve seen before
If you find any of these after a storm, document them with photos immediately — these are critical evidence for your insurance claim.
Why You Should Get a Professional Inspection Within 30 Days of a Storm
Indiana homeowners insurance policies generally require timely reporting of damage. Insurance companies increasingly use satellite imagery and weather data to verify whether damage is consistent with a specific storm event. The longer you wait:
– Evidence degrades
– Secondary damage complicates the original claim
– Your claim window may close
– The insurance company has more grounds to dispute the cause
Alamo Roofing provides free drone inspections across Lake County, Porter County, and northern Illinois. We’ll inspect your roof, document all damage, and give you an honest assessment — repair, replace, or no action needed.
Call (219) 224-2636 to schedule your free post-storm inspection.
About Alamo Roofing Contractors
Alamo Roofing Contractors is a GAF Master Elite certified roofing contractor serving Northwest Indiana and northern Illinois since 2017. Based in Portage, Indiana, we serve Lake County, Porter County, LaPorte County, Cook County, Will County, and DuPage County with residential and commercial roofing, siding, gutters, and exterior services.
[Schedule Your Free Estimate] → [https://api.leadconnectorhq.com/widget/booking/DKc0HhICa64zXLn8XJtX]
[Call (219) 224-2636] → tel:+12192242636
Mon–Fri 9AM–5PM | Sat 9AM–3PM | 24/7 Emergency Storm Response
by Andy Huffman | Apr 16, 2026 | Storm Damage & Insurance
7 Signs Your Northwest Indiana Roof Has Hail Damage (Even If It’s Not Leaking)
This is the most expensive mistake Northwest Indiana homeowners make after a hailstorm: they look up, see no missing shingles, and assume their roof is fine.
Hail damage doesn’t always cause immediate leaks. It bruises shingles, cracks the asphalt mat beneath, and knocks off the protective granules that shield your roof from UV exposure and weather. The roof may look intact from the ground — and start leaking 6, 12, or 24 months later.
By then, your insurance claim window has potentially closed, and you’re paying for a repair that should have been covered.
Here are the 7 signs your Lake County or Porter County roof has hail damage — even if it’s not leaking yet.
Sign 1 — Granules Filling Your Gutters
Walk to your downspouts after a significant hailstorm and look for granules — the small sand-like particles that cover asphalt shingles. A handful of granules after a storm is normal. A substantial amount filling your gutters is a red flag.
Granules are the first line of defense on your shingles. When hail knocks them off in quantity, the exposed asphalt underneath begins to dry out, crack, and deteriorate much faster. A roof that loses significant granules from hail typically ages 5-10 years faster than expected.
Sign 2 — Dark Spots or Bare Patches on Shingles
From ground level with binoculars, look for dark circular spots or areas where shingles appear to have a different texture. These are hail impact bruises — areas where the granule layer was knocked off by direct hail impact.
Fresh impacts appear dark because the exposed asphalt hasn’t yet oxidized. This damage is often invisible from the ground without getting close — which is why drone inspections matter.
Sign 3 — Dented Gutters, Downspouts, or Vents
Aluminum gutters and downspouts are excellent hail damage indicators. If hailstones were large enough to dent them, they were large enough to damage your shingles. Check your:
– Gutters and downspouts for circular dents
– Metal roof vents for impact marks
– AC condenser unit for denting
– Satellite dish for damage
Insurance adjusters use these metal components as supporting evidence of hail size during a claim. Don’t let anyone repair them before your adjuster sees them.
Sign 4 — Cracked or Split Shingles
Unlike wind damage which tends to lift shingles, large hailstones crack shingles on impact. Check the edges and corners of shingles closest to the peak and valleys of your roof — these areas tend to show impact damage most clearly.
Cracked shingles will eventually lift, curl, or separate, allowing water infiltration. The freeze-thaw cycles Lake County and Porter County experience every winter accelerate this deterioration significantly.
Sign 5 — Random Pattern of Damage (Not Following Wind Direction)
Hail damage appears in random patterns across a roof — wherever hailstones happened to hit. Wind damage typically follows a consistent direction. If you see damage scattered randomly across your roof with no obvious directional pattern, hail is the likely cause.
This distinction matters for your insurance claim — documenting the random pattern helps establish that the damage is hail-related rather than age-related wear.
Sign 6 — Damaged Roof Valleys
Roof valleys — where two roof planes meet and water concentrates — are among the most vulnerable areas to hail impact. Check these areas carefully for cracks, exposed felt, or missing granules. Valley damage creates fast pathways for water infiltration.
Sign 7 — Interior Attic Staining You Haven’t Seen Before
After any significant storm, check your attic with a flashlight. Look for:
– New water stains on the underside of the roof decking
– Daylight visible through the decking (a major sign)
– Wet or darkened insulation
– Any change from what you’ve seen before
If you find any of these after a storm, document them with photos immediately — these are critical evidence for your insurance claim.
Why You Should Get a Professional Inspection Within 30 Days of a Storm
Indiana homeowners insurance policies generally require timely reporting of damage. Insurance companies increasingly use satellite imagery and weather data to verify whether damage is consistent with a specific storm event. The longer you wait:
– Evidence degrades
– Secondary damage complicates the original claim
– Your claim window may close
– The insurance company has more grounds to dispute the cause
Alamo Roofing provides free drone inspections across Lake County, Porter County, and northern Illinois. We’ll inspect your roof, document all damage, and give you an honest assessment — repair, replace, or no action needed.
Call (219) 224-2636 to schedule your free post-storm inspection.
About Alamo Roofing Contractors
Alamo Roofing Contractors is a GAF Master Elite certified roofing contractor serving Northwest Indiana and northern Illinois since 2017. Based in Portage, Indiana, we serve Lake County, Porter County, LaPorte County, Cook County, Will County, and DuPage County with residential and commercial roofing, siding, gutters, and exterior services.
[Schedule Your Free Estimate] → [https://api.leadconnectorhq.com/widget/booking/DKc0HhICa64zXLn8XJtX]
[Call (219) 224-2636] → tel:+12192242636
Mon–Fri 9AM–5PM | Sat 9AM–3PM | 24/7 Emergency Storm Response
