Metro East Illinois

Free Storm Damage Inspections in Metro East Illinois

SDAT Roofing now serves the Metro East St. Louis area in Illinois with the same Haag Certified inspections and insurance claim guidance trusted by homeowners across the river since 1999.

Storm Climate

Hail in Metro East Illinois

The Metro East communities share the same severe weather corridor as the St. Louis metropolitan area. Storms building over central Missouri regularly cross the Mississippi River and deliver significant hail to Belleville, Collinsville, Edwardsville, and surrounding communities.

The region averages 6 to 10 significant hail events per year, concentrated from March through July. The flat terrain of the Metro East provides little topographic shielding, meaning storms maintain their intensity as they cross from Missouri into Illinois.

Many Metro East homeowners don't realize they have hail damage until months after a storm. A free professional inspection gives you documentation whether damage exists or not.

Metro East Storm Facts
6–10
significant hail events per year
Mar–Jul
peak hail season
Apr–May
most damaging storms
Same day
storms as St. Louis metro
Illinois Insurance Filing

Know Your Rights

Filing Deadline

Illinois insurance policies typically require claims to be filed within one year of the date of loss. Check your specific policy terms — some carriers impose shorter windows. File promptly after discovering damage.

Right to Choose Your Contractor

Illinois law protects your right to choose any licensed, registered roofing contractor. Your insurance company may recommend preferred vendors, but the choice is always yours.

Contractor Registration

The Illinois Roofing Industry Licensing Act (225 ILCS 335) requires all roofing contractors to register with IDFPR. Verify registration at idfpr.illinois.gov before signing any contract.

Consumer Protection

The Illinois Consumer Fraud and Deceptive Business Practices Act prohibits misrepresentation, deductible rebates, and high-pressure sales tactics by contractors. Report violations to the Illinois Attorney General.

Prompt Payment

Illinois requires insurers to acknowledge claims within 15 business days and act on them within a reasonable timeframe. Unreasonable delays can be reported to the Department of Insurance.

Department of Insurance

Illinois Department of Insurance: (217) 782-4515 or 1-866-445-5364. File complaints online at insurance.illinois.gov.

Coverage

Areas We Serve in Metro East Illinois

Active

St. Clair County

BellevilleFairview HeightsSwanseaShilohO'FallonLebanonMascoutahScott AFB
Active

Madison County

CollinsvilleEdwardsvilleGranite CityGlen CarbonMaryvilleTroyPontoon BeachHighland

Illinois-Specific FAQ

Common questions from Metro East Illinois homeowners about storm damage and insurance.

Does Illinois require roofing contractors to be licensed?

Illinois requires roofing contractors to be registered with the Illinois Department of Financial and Professional Regulation (IDFPR). Contractors must carry general liability insurance and workers' compensation coverage. Many Metro East municipalities have additional local licensing requirements. Always verify that your contractor holds a valid state roofing registration and meets local requirements. SDAT and all SDAT contractor partners maintain all required state and local licenses.

How does Metro East Illinois hail compare to the Missouri side?

Metro East Illinois experiences the same storm systems as the St. Louis metro on the Missouri side. In fact, storms that form over central Missouri frequently cross the Mississippi and deliver hail to Belleville, O'Fallon, Collinsville, and Edwardsville. The Metro East averages 6 to 10 significant hail events per year, with peak season from March through July. Because the same storm can damage roofs on both sides of the river, SDAT's St. Louis-based team is ideally positioned to serve Metro East homeowners with fast response times.

What are my rights when filing an insurance claim in Illinois?

Illinois law gives homeowners strong protections during the claims process. You have the right to choose your own contractor — your insurance company cannot require you to use a specific vendor. The Illinois Department of Insurance requires insurers to acknowledge claims within 15 business days and make a coverage determination within a reasonable time. If you disagree with your adjuster's assessment, you can request a re-inspection or file a complaint with the Illinois Department of Insurance at (217) 782-4515.

How quickly can SDAT inspect my Metro East Illinois roof?

We typically schedule inspections within 24–48 hours of booking. Our team is based in St. Louis and serves the entire Metro East area, so travel time is minimal. After major storm events, demand increases — booking early ensures you get a prompt inspection before the backlog builds.

Does Illinois have specific laws about storm chasing contractors?

Yes. The Illinois Roofing Industry Licensing Act (225 ILCS 335) requires all roofing contractors to be registered with the state. Illinois also has strong consumer protection laws under the Consumer Fraud and Deceptive Business Practices Act that prohibit misrepresentation, high-pressure tactics, and deductible rebates. After a major storm, unregistered out-of-state contractors often appear — always verify state registration before signing any contract.

Metro East Illinois Homeowner? Get Your Free Roof Report Card.

From Belleville to Edwardsville, Collinsville to O'Fallon — our Haag Certified inspectors now serve the entire Metro East.