Licensed in Illinois, Iowa, Indiana & more
IL #3002993691 · IA #3003233619
Hail hit the roof. We handle the claim.
Hail bruising, granular loss, and cracked shingles are easy to miss from the ground and easy for a carrier to underestimate. We inspect, document, and negotiate hail damage claims across Illinois, Iowa and Indiana, from the Quad Cities to Waterloo, Cedar Rapids, Iowa City, Des Moines and Logansport, so the settlement reflects what the policy actually covers.
Hail rarely leaves a hole in the roof. It leaves bruises, fractured shingle mats, and granular loss that shorten the roof's life. If the inspection misses it, the estimate never includes it.
Without representation
One quick look. One short estimate.
A look from the ladder calls it "wear and tear" and the file closes.
Soft metal hits on vents and gutters get noted, but the shingle field is never tested.
Siding, screens, window wraps, and AC fins never make it into the estimate.
You're offered a small repair on a roof the hail actually took, or nothing at all.
With GRJ in your corner
Every slope tested. Every hit documented.
Test squares on every slope, chalked and photographed, the way carriers expect hail to be proven.
Collateral damage documented: gutters, downspouts, vents, siding, screens, and AC fins.
A line item Xactimate estimate covering roofing, code required items, and matching where the policy supports it.
Supplements and re-inspections run through us, not you.
What actually happens after you call us
Damage to settlement. We run every step.
A simple, transparent process designed to keep you informed without burying you in paperwork. You always know what's next.
Step one of four
On site inspection & policy review
We meet you on site, document the loss, and translate your policy into plain English. No cost, no obligation.
Step two of four
Line item Xactimate estimate
Using the same software the carrier uses, we build a complete estimate of what it actually costs to make you whole.
Step three of four
We negotiate with the carrier
Adjuster meetings, supplements, code disputes, re-inspections. All of it runs through us. You're not in the back and forth.
Step four of four
Settlement funds go to you
Carrier issues the check in your name. We're paid a small contingency from the recovery. Never out of pocket.
If your question isn't here, call or text 1 (309) 910-9072. We'll answer it before you sign a thing.
How do I know if my roof has hail damage?
Hail bruising is hard to see from the ground. Look for dented gutters, downspouts, or AC fins, and granules collecting at the bottom of downspouts. The reliable answer is an on-roof inspection with test squares, and we do that at no cost as part of a free claim review.
Do you handle hail damage claims in Iowa?
Yes. GRJ Public Adjusters Inc. holds an Iowa public adjuster firm license (No. 3003233619) and an Illinois license (No. 3002993691). Our office is in the Quad Cities, and we work hail claims in Davenport, Bettendorf, Waterloo, Cedar Falls, Cedar Rapids, Iowa City and Des Moines, as well as across Illinois. We are licensed in Indiana as well (Logansport, Lafayette, Kokomo) and take other states by reciprocity.
My carrier said it's just wear and tear. Is that final?
Not necessarily. Wear and tear and hail bruising look different up close, and the difference can be documented with photos and test squares. If your loss was called wear and tear without that level of inspection, the file can be revisited.
Is there a deadline to file a hail claim?
Every policy sets its own notice and suit limitation periods, and many carriers expect prompt notice. If your storm was months ago or longer, don't assume it's too late. We read your policy first and tell you where you stand.
What does it cost to hire GRJ for a hail claim?
Nothing up front. We're paid a percentage of what we recover for you. Illinois caps the fee at 10% on a personal residence; Iowa caps it at 15%, or 10% on a declared catastrophe (Iowa Code 522C.10); in Indiana the fee is set in your written contract. No recovery, no fee.
Will you work with my roofer?
Yes. We handle the insurance side: documentation, the estimate, and negotiation with the carrier. Your contractor handles the repair. State law keeps those roles separate, and that separation protects you.
Call, text, or email anytime. Free claim review. Licensed in Illinois, Iowa, Indiana and more, based in the Quad Cities, with license reciprocity for other states case by case.
