Four Elements Adjusters represented the owner in an insurance claim for storm damage at 1015 State Street in Lemont, IL. Prior to the storm that took place in May 2019, this building had an older built-up roofing assembly with acrylic coating and the owner was budgeting to replace it. The roof system consisted of one roofing layer that was comprised of a 3-ply (BUR) built-up roofing system with a 1.0” Poly ISO insulation, and ½” Perlite, over a wood deck. After the storm he started having leaks 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, roof top units (RTU’s), exhaust vents, gutters, downspouts, and perimeter sheet metal. Four Elements Adjusters handled all the negotiations with the insurance carrier. When the claim was settled it resulted in approval of a complete roof replacement, the majority (8/10) of the rooftop units (RTU’s) being replaced, new perimeter and flashing metal, exhaust caps, and roof accessories. The owner also had code coverage in their policy so the new roofing system would have an additional 4” of insulation then the previous system.