Most homeowners file a storm damage claim once in the life of their home. Insurance carriers process hundreds every day. That information asymmetry matters — and it's the reason a homeowner who files a claim alone frequently ends up with a partial scope, missed line items, and a check that doesn't cover the actual repair. Having an experienced contractor who knows the process, the software, and the code requirements puts you on equal footing.
Dynasty Restoration has handled hundreds of storm claims across Cook, DuPage, Lake, Will, and Kane counties. We're not public adjusters, and we never represent ourselves as your legal representative — but we do know every step of the claim process cold, and we stand on your roof alongside the adjuster so the scope captures everything that's actually there.
How We Support Your Claim
Documented Pre-Claim Inspection
Written report with photographs of every damage area — the foundation of your claim file.
Adjuster Meeting On-Site
We walk the roof with your field adjuster so the scope of loss is recorded accurately the first time.
Xactimate Pricing Review
Carriers issue scopes in Xactimate — the same pricing software we use. We catch missing line items and under-priced components.
Supplements When Needed
If items are missed or under-priced, we submit a supplement with photos, measurements, and current pricing.
Code-Upgrade Coverage
Most policies include ordinance-or-law coverage for bringing the property up to current code (e.g., ice & water shield, drip edge). We confirm these are applied.
Final Invoicing Direct to Carrier
We bill the carrier directly for approved scope + supplements. Your cost is your deductible — no surprises.
ACV, RCV, and Your Deductible — The Mechanics
Most modern Illinois homeowners policies are Replacement Cost Value (RCV) — meaning the carrier pays what it costs to replace the damage today, subject to your deductible. Payments typically come in two checks: the first for Actual Cash Value (ACV) minus your deductible, the second for the 'recoverable depreciation' once work is complete and invoiced. Your total out-of-pocket is your deductible — not the depreciation amount.
Contractors who offer to 'waive your deductible' or 'eat the deductible' are asking you to participate in insurance fraud, which is a Class A misdemeanor or Class 3 felony under Illinois law (215 ILCS 5/155.33), depending on the amount involved. Dynasty Restoration will not do that, and we strongly advise walking away from any contractor who does.
Your Rights as a Policyholder in Illinois
- You have the right to choose your own licensed contractor — the carrier's 'preferred' contractor is not required
- You have the right to obtain a copy of your complete scope of loss and pricing
- You have the right to request a re-inspection if the scope is materially incomplete
- You have the right to ordinance-or-law coverage (if on your policy) for code-required upgrades during restoration
- You have the right to supplement the claim for damage identified during the actual repair
- You have the right to appeal a denial in writing and to request a formal claim review