Four Elements Adjusters represented the owner in an insurance claim for storm damage at 1632 Howard Street in Chicago, IL. Prior to the storm that took place in April 2020, this building had a smooth modified bitumen roofing system with acrylic coating. The roof system composition was different between the Upper roof and Warehouse. The Upper Roof Section consisted of two roofing layers comprised of a wood deck, 3.0” Poly ISO insulation, a modified base sheet, a smooth modified bitumen roof membrane, and a second modified bitumen roofing membrane installed directly over the original layer. The warehouse consisted of numerous roofing layers comprised of a wood deck, multiple built-up roof systems with gravel, and two modified bitumen roofing layers. After the storm the owner noticed damage and he contacted Four Elements to assess the property.
The storm that impacted the building produced sizeable hail accompanied by high wind speeds which caused physical damage to the roof membrane, skylights, flashings, window capping, gutters, and downspouts. Elements Adjusters handled all the negotiations with the insurance carrier. When the claim was settled it resulted in approval of a roof replacement, window cap replacement, and skylights, and soft metals. The owner also had code coverage in their policy so the new roofing system would have 5.5” of insulation as opposed to the original roofing assemblies.