Storm Damage Repair in Algonquin, IL
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Algonquin Gets Hit Twice. Wind and Hail From the Sky. Flooding From the Fox.
I’m Rhett Wilborn. I’ve been running Innovative Home Concepts out of Crystal Lake since 2005, and Algonquin takes punishment from directions most McHenry County towns don’t deal with. Same severe thunderstorm corridor — the hail, the derecho winds, the microbursts. But then the Fox River cuts straight through downtown, and when 5 inches of rain drops overnight like it did in April 2026, you’re dealing with roads underwater on Cumberland Parkway and Teton Parkway while residences on Oceola Drive watch the river climb toward 11.5 feet. Wind rips your shingles off Tuesday. The river threatens your foundation by Friday. That’s compound damage.
Here’s something else most contractors won’t tell you: Algonquin straddles McHenry County and Kane County. That boundary runs through the village along Harnish Drive and County Line Road. We’ve seen carrier adjusters show up not knowing which county’s building code applies. After the August 2025 storms, officials from Algonquin, Cary, and Fox River Grove ran a joint Preliminary Damage Assessment with IEMA, FEMA, and the SBA — that federal-level assessment is leverage most Algonquin homeowners don’t even know they have.
Nine significant storm events hit Algonquin between 2023 and 2026. Events with 2.5-inch hail, 70+ mph winds, confirmed tornadoes in Kane County, and a Fox River that crested at moderate flood stage. Here’s the record.
Nine Documented Storm Events That Hit Algonquin Since 2023
This isn’t guesswork. These are documented events from the National Weather Service Chicago, Kane County emergency management, IEMA/FEMA damage assessments, and our own inspections across Algonquin neighborhoods from Old Town to Manchester Lakes.
| Date | What Happened | Impact on Algonquin |
|---|---|---|
| April 1965 | Palm Sunday F4 tornado outbreak — one of the deadliest in U.S. history | 271 deaths across six states. McHenry County in the outbreak path. Six killed, 75 injured. Shaped emergency preparedness across both McHenry and Kane counties for generations. |
| April 2023 | Severe thunderstorms — 1.5″ hail (ping-pong ball), 70+ mph gusts | Hail dented cars, damaged roofs and siding across both county sides of Algonquin. Randall Road corridor subdivisions took widespread granule loss on south-facing slopes. |
| Feb 2024 | Large hail, 70–80 mph winds, confirmed tornadoes in Kane County | Tornado warnings issued for Algonquin. Confirmed tornadoes in nearby Sugar Grove and Elburn. Shingle lift-off and tree damage across both counties. |
| May 2024 | Hail up to 2.10″ near Harvard; EF-0 tornado confirmed in McHenry County | Large branches down. Hail damage to roofs and vehicles. Copper Oaks and High Hill Farms homes with 35+ year-old roofs saw accelerated failure from impact on aging material. |
| July 14–16, 2024 | Three consecutive nights — 70+ mph winds, quarter-size hail, tornado warnings | Damage reported in Algonquin specifically. 1,300+ Kane County ComEd customers lost power. Flash flooding across both county sides of the village. |
| Aug 5, 2024 | Documented hail storm across the Algonquin area | Roof and vehicle damage. Manchester Lakes and Algonquin Lakes along Randall Road took concentrated hits on 20-year-old builder-grade shingles. |
| Aug 27, 2024 | Major hail — tennis ball (2.5″) in Woodstock, golf ball across McHenry County | Widespread damage across the region. The event that pushed many 1990s-era roofs past repair into full replacement. |
| Aug 2025 | 1.5″ hail, 60–70 mph winds, flooding — joint IEMA/FEMA/SBA damage assessment | Branches broken near Main Street and Cary Road. Joint Preliminary Damage Assessment with IEMA, FEMA, and SBA. Over 66,000 ComEd customers lost power. Federal-level severity documented officially. |
| April 2–3, 2026 | Three tornadoes confirmed in NWS Chicago area; funnel cloud near Woodstock | Heavy winds, downed trees, flooding across McHenry County. Fox River levels began rising toward the flooding event 10 days later. |
| April 13–15, 2026 | 5+ inches of rain overnight; Fox River at 11.5 ft — moderate flood stage | Roads flooded: Cumberland Parkway, Teton Parkway, Woods Creek Lane, Glacier Court, Applewood at Thorneapple. Residences threatened on Oceola Drive, Jayne Street, Beach Drive. Compound damage — wind/hail from earlier storms meets rising water. |
Algonquin has been under severe weather warnings 33 times in the past 12 months. McHenry County alone averages 18 hail reports and 85 wind and tornado reports per tracking period. If your home was standing through any of the events above, it absorbed energy that may not show from the driveway.
Hail damage on asphalt shingles shows up as circular dents where granules got knocked loose, exposing the black asphalt mat. Once exposed, UV degradation accelerates. On Fox River corridor homes — Old Town, the Oceola Drive corridor, properties near the Brunner Family Forest Preserve — elevated humidity means moisture gets into the exposed mat faster. You won’t see a leak for months. But the damage compounds every day.
Full Exterior Storm Repair — Compound Damage Across Algonquin
When wind and hail hit from above and the Fox River rises from below, every exterior trade gets involved. We handle all of them — one contractor, one project, and on compound claims, we coordinate across multiple carriers so no damage source falls through the gap.
Roof Repair & Replacement →
On compound-damage homes, the roof tells two stories. August 2025 hail left circular impact marks across the south-facing slopes on Randall Road corridor subdivisions — Copper Oaks, Manchester Lakes, Algonquin Lakes — all 1990s builder-grade shingles already past their expected life. Then April 2026 rain found every weakened shingle and drove water through the mat into the deck. I’ve pulled back shingles on homes along Algonquin Road and found the underlayment soaked from a leak path that started with a hail strike months earlier. We strip to the deck, document which damage is hail-origin and which is water-penetration, install ice and water shield per Village of Algonquin code (2018 IRC with local amendments), and lay new shingles to manufacturer spec. Our CertainTeed ShingleMaster certification gives you the SureStart PLUS warranty — 50-year coverage on materials and labor that a standard installer cannot offer.
Siding Repair & Replacement →
Compound damage on siding looks different than straight hail. In Copper Oaks and Cinnamon Creek, the August 2024 hail shattered vinyl panels that were already brittle from 35+ years of UV exposure. But on Fox River corridor homes in Old Town, I’ve seen where hail cracked a panel, then months of river humidity drove moisture behind the wall sheathing — by the time we pulled the siding off, the OSB was swelling. That moisture damage is a separate cause from the hail impact. Both get scoped, both get documented. For full replacements, we install James Hardie and LP SmartSide fiber cement engineered for river-corridor humidity and repeated hail exposure — materials that won’t fail the way the original vinyl did on those 1980s and 1990s Pulte and United Development homes.
Windows & Doors →
The July 2024 three-night storm sequence blew screens out and cracked panes across Manchester Lakes and Willoughby Farms. That was wind damage — covered by your homeowner’s policy. But on the same Old Town homes near the Fox River, I’ve documented window frames where rising groundwater from the April 2026 flooding warped the sills on first-floor units while the upper-story glass had hail cracks from an earlier event. Two damage sources, two claim paths. If your windows are original 1980s or 1990s builder-grade units from Copper Oaks or Gaslight West, compound storm damage often makes the case for upgrading to Andersen or our InnoMAXX performance line rather than replacing failing units one at a time. Nicor rebates of $100 to $125 per window are available now.
Gutters & Downspouts →
Gutters are where compound damage becomes most visible in Algonquin. I drove down Cumberland Parkway during the April 2026 flooding and watched water pour over gutter edges because the systems were already dented and misaligned from previous hail. On Old Town, High Hill Farms, and streets along the Fox River, mature-canopy debris from earlier storms clogged downspouts so badly that 5 inches of overnight rain had nowhere to go except down the fascia and toward the foundation. Flooded roads at Cumberland Parkway, Teton Parkway, and Woods Creek Lane. We replace damaged sections or install complete new systems with GutterShutter or Raindrop protection. On flood-adjacent properties along Oceola Drive, Jayne Street, and Beach Drive, functioning gutters are the difference between water running to the street and water running to your basement.
Trim, Fascia & Soffit
Fascia and soffit are the hidden casualties of compound damage. The February 2024 tornado-warned storms ripped trim off homes on the Kane County side of Algonquin. The July 2024 three-night sequence finished the job on the McHenry County side. Then April 2026 floodwater wicked up into fascia boards on Fox River corridor homes that were already cracked from wind exposure. On Old Town’s oldest homes — some dating to the mid-1800s — original wood trim profiles don’t exist at any lumberyard. We custom-mill replacements to match the historic profile. On Randall Road corridor subdivisions like Creekside Glens and Fairway View Estates, we match PVC or composite trim to the existing spec and scope it correctly for the county your property actually sits in.
Decks & Fences
The August 2024 storms took out fencing across Willoughby Farms, Brittany Hills, and the Algonquin Lakes townhome community — vinyl panels snapped at the posts, wood privacy sections came down in full runs, composite deck boards lifted. Then on flood-adjacent properties near the Fox River, the April 2026 event saturated deck footings and post bases that were already loosened from earlier wind events. I’ve seen fence posts along Oceola Drive leaning 15 degrees because the wind knocked them loose in August and the floodwater eroded the concrete collar in April. We scope deck and fence repair into the storm claim when it’s tied to the same event — and on compound claims, we separate which damage belongs to which date of loss so neither carrier can deny their portion.
Compound Damage Claims in a Two-County Village — Why Algonquin Is Different
I’ve filed compound claims where the adjuster tried to lump wind and flood into one line and depreciate the whole thing. That doesn’t fly in Algonquin. When August 2025 hail cracked your shingles and April 2026 dropped 5 inches of rain while the Fox River climbed to 11.5 feet, you’re looking at two separate damage sources, potentially two separate carriers, and two separate scopes. Your homeowner’s policy covers wind and hail. Flood damage from rising water requires an NFIP or private flood policy. Mixing the two in one claim is how homeowners get denied on both.
Then there’s the dual-county problem. I’ve stood in driveways on Harnish Drive where one side of the street is McHenry County and the other is Kane County. The Village of Algonquin straddles both. Different counties reference different building code editions. Different emergency management offices filed different damage reports after August 2025. I’ve watched a carrier adjuster from Indiana write an Xactimate scope using Kane County code on a McHenry County property — missed the ice and water shield requirement entirely. That single mistake cost the homeowner $1,800 in coverage they were owed.
Two separate companies handle IHC’s storm damage process. IHC inspects and repairs. Our sister company, IHC Public Adjusters, is a separately licensed Illinois public adjusting firm that the homeowner chooses to hire for claim filing and negotiation. Separate licenses, separate work. Financial relationship disclosed per 215 ILCS 5/1575. Here’s how that process handles Algonquin’s compound-damage, dual-county reality.
Compound Damage Assessment — Separating What Hit From Above vs. What Rose From Below (IHC)
I was on Algonquin Road during the April 2026 flooding watching water cross Cumberland Parkway while knowing those same roofs took hail eight months earlier. Our inspection separates the damage layers: hail strikes on the roof get documented with chalk marks and test squares tied to the August 2025 date of loss. Water intrusion through the fascia or foundation gets photographed separately with moisture readings tied to the April 2026 flood event. Each damage source needs its own date of loss, its own cause code, its own claim number. We build that separation into the inspection report before any claim gets filed. Free. No damage, no charge.
Dual-County Verification and FEMA Documentation (IHC Public Adjusters, if you hire them)
If you choose to hire our sister company, IHC Public Adjusters, the first thing they do is pull your property’s parcel data to confirm McHenry County or Kane County jurisdiction. That determines which building code edition governs your scope. They cross-reference the August 2025 joint IEMA/FEMA/SBA Preliminary Damage Assessment — the one where Algonquin, Cary, and Fox River Grove officials documented severity at the federal level with over 66,000 ComEd outages. That federal documentation is leverage most homeowners don’t know exists. When a carrier questions causation or severity, a FEMA-level assessment from the same storm period shifts the burden back to them. You sign the public adjuster agreement and choose to engage them. Financial relationship disclosed per 215 ILCS 5/1575.
Adjuster Meeting — Separate Scopes for Each Damage Source (IHC Public Adjusters)
IHC Public Adjusters meets the carrier’s field adjuster at your Algonquin property. On a straightforward hail claim, this is one Xactimate scope with code-required items per the Village of Algonquin’s adopted 2018 IRC. On compound damage — which is most Algonquin claims right now — they write separate line-item scopes for each damage layer. Wind and hail go to your homeowner’s carrier. Flood damage goes to your flood carrier. The goal is preventing what I’ve seen adjusters do repeatedly: bundle two events into one depreciated payout and short the homeowner on both. IHC Public Adjusters works for you. The carrier’s adjuster works for the carrier.
Dual-Track Settlement and Coordinated Repair (IHC PA negotiates; IHC repairs)
On compound claims, IHC Public Adjusters runs two negotiation tracks simultaneously — supplements with the homeowner’s carrier for wind and hail, and a separate filing with the flood carrier for water damage. I’ve seen Algonquin homeowners lose thousands because nobody filed the flood portion at all. Once both settlements are reached, IHC repairs everything with in-house crews: roof, siding, windows, gutters, trim, foundation waterproofing coordination, the full exterior. Two separate licenses. Two separate scopes of work. On compound claims, potentially two separate carriers. One coordinated repair so the homeowner isn’t managing four contractors and two insurance companies alone.
Why Algonquin Takes Compound Damage — Wind, Hail, and the Fox River
Algonquin is a village split in two — Old Town hugging the Fox River on the east, the Randall Road corridor sprawling west. That geography creates three distinct damage patterns that stack on top of each other.
The Fox River corridor runs north-south through downtown, creating a natural wind channel. Storms accelerate through the river valley between Old Town and Carpentersville. Homes along Main Street, Oceola Drive, and Beach Drive catch sustained wind exposure that Randall Road subdivisions don’t. The river also creates a humidity microclimate — paint fails 30 to 40 percent faster on Fox River corridor homes, wood rots sooner, vinyl seals degrade faster. When hail hits an Old Town home, it’s hitting materials that were already closer to the edge.
The Randall Road corridor holds 60 percent of Algonquin’s housing stock, built between 1990 and 2005 by Pulte, Kimball Hill, and Realen. Copper Oaks, Willoughby Farms, Manchester Lakes, Algonquin Lakes, Creekside Glens — thousands of homes with builder-grade materials all hitting the same maintenance wall simultaneously. These sit on higher, more exposed terrain. The August 2024 hail that dropped 2.5-inch tennis balls on Woodstock hit these subdivisions with golf-ball hail on the same front.
Then the flooding compounds everything. April 2026: five inches of rain overnight, Fox River cresting at 11.5 feet at the Algonquin tailwater gauge. If your roof already had compromised shingles from 2024 hail, that water found every weakness. If your gutters were clogged from previous storm debris, the water went into the fascia, down the walls, toward the foundation. Standard homeowner’s policies don’t always cover flood and wind under the same claim — which is exactly when you need someone who can separate the layers and file each damage source correctly.
The Difference for Algonquin Storm Claims
Separately Licensed IL Public Adjusting Firm — Built for Compound Claims
Our sister company, IHC Public Adjusters, is a separately licensed Illinois public adjusting firm — not “adjusters on staff.” On Algonquin’s compound-damage claims, that separation matters more than most towns. IHC Public Adjusters files and negotiates your wind/hail claim with your homeowner’s carrier while coordinating the flood claim with your flood carrier — two tracks, two scopes, two settlement negotiations running in parallel. The homeowner chooses whether to hire them. Financial relationship disclosed per 215 ILCS 5/1575.
Dual-County Xactimate Accuracy
I’ve personally seen three Algonquin claims where the carrier’s adjuster scoped the wrong county’s building code. Manchester Lakes is Kane County. Willoughby Farms is McHenry County. IHC Public Adjusters pulls the parcel data, confirms jurisdiction, and writes the Xactimate scope with the correct code-required line items — ice and water shield, drip edge, ventilation, starter strip. One wrong county reference can short a settlement by thousands on code-upgrade items alone.
In-House Crews Who Know Fox River Conditions
After the August 2025 FEMA assessment, storm-chaser crews from out of state flooded the Randall Road corridor parking lots. Most of them have never worked on a Fox River corridor home where elevated humidity affects material selection and installation methods. Our crews are W-2 employees who have been installing on Old Town and Copper Oaks homes for years. They know that a Fox River corridor re-side needs moisture-resistant housewrap details that an inland home does not. They’ll still be here servicing your warranty long after the storm chasers leave.
Full Exterior Scope — Critical on Compound Claims
When wind, hail, and flooding all hit the same property, the damage touches every trade: roof, siding, windows, gutters, trim, decks, fences, and sometimes foundation waterproofing. I’ve watched homeowners hire a roofer for the hail damage, a siding company for the wind damage, and nobody for the water intrusion that connected the two. Three contractors, three warranties, and the moisture path between the roof and the wall got missed entirely. We see the full picture because we handle every exterior trade in-house.
FEMA/IEMA/SBA Assessment as Claim Documentation
Most Algonquin homeowners don’t realize the August 2025 joint Preliminary Damage Assessment exists, let alone that it helps their claim. Officials from Algonquin, Cary, and Fox River Grove partnered with IEMA, FEMA, and the SBA to document storm severity at the federal level — over 66,000 ComEd outages, structural damage across the Fox River corridor. That’s not a newspaper headline. That’s an official government damage record. When a carrier’s desk adjuster in Phoenix questions whether the August 2025 storm was really that severe in Algonquin, IHC Public Adjusters attaches the federal assessment to the supplement. The conversation changes.
21 Years on Route 176 — Not a Storm-Season Operation
I’ve been running IHC out of the same office at 4410 IL-176 in Crystal Lake since 2005. Minutes from every Algonquin neighborhood on Route 31 or Randall Road. Same Wilborn family, same license number — IL Roofing License #104.015093. A+ BBB rating, Best of Fox since 2011. After every major storm, trucks with out-of-state plates show up along Randall Road offering instant repairs. By the time your first supplement check arrives, they’re gone. We are not going anywhere. Your warranty depends on that.
Free Compound Damage Inspection — Algonquin
If your home took hail in 2024 or 2025 and then sat through the April 2026 flooding, you likely have compound damage that no single-trade contractor will catch. We inspect every exterior surface, separate each damage layer by date of loss and cause, and tell you exactly what you’re dealing with. No damage? No charge. No obligation. Same-day response.
IHC Public Adjusters — Licensed IL Firm • IL Roofing License #104.015093 • Dual-County Compound Damage Specialists • Free inspections, no obligation
Algonquin Neighborhoods Most Affected by Recent Storms
I’ve walked storm-damaged roofs across every section of Algonquin — from Old Town on the river to the newest Pulte homes in Trails of Woods Creek. Here’s what we’ve seen on the ground.
Old Town / Downtown Algonquin
Oldest housing stock in the village — some homes date to the mid-1800s along the Fox River and Main Street. Over 300 structures in the Old Town District. Fox River humidity eats exterior materials faster here than anywhere else in the village. Historic character complicates claims: custom window shapes, original wood siding, trim profiles no lumberyard carries. We write scopes that capture the historic-match premium. Most adjusters miss it on the first check.
Copper Oaks & Cinnamon Creek
Copper Oaks: 252 homes and 123 townhomes, Pulte, late 1980s. Cinnamon Creek: early 1980s United Development homes. Both are 35-40+ years old with builder-grade vinyl and windows past end of life. The August 2024 hail finished off materials already brittle from four decades of UV exposure. Multiple hits on aging three-tab shingles means full replacement, not repair.
Manchester Lakes & Algonquin Lakes
Manchester Lakes: 234 homes and 120 villas by Pulte along Randall Road. Algonquin Lakes: 285 homes and 104 townhomes by Realen. Both premier communities from the late 1990s to early 2000s, entering their first major exterior cycle. $350K to $500K+ homes where owners invest in quality. The 2024 hail events pushed 20-year-old builder-grade roofs past repair into full replacement.
High Hill Farms & Gaslight West
High Hill Farms spans 1977 through 1999 — everything from 48-year-old homes with aluminum siding to late-1990s vinyl. Gaslight West is mid-to-late 1980s near downtown. Oldest homes are on their third roof and second siding cycle. Hail hits different on compromised materials. A strike that costs a Trails of Woods Creek home a few shingles costs a 1977 High Hill Farms home an entire south elevation.
Willoughby Farms & Brittany Hills
Willoughby Farms: Kimball Hill homes from 1993-1999, up to 3,410 sq ft, west of Randall Road south of Longmeadow Parkway. Brittany Hills: 165 homes, late 1990s to early 2000s. Both in the 27-to-33-year sweet spot where original siding and windows approach end of life. August 2024 wind took out fencing across both. Larger homes mean higher claim settlements when scoped correctly.
Fox River Corridor & Flood-Adjacent Properties
Oceola Drive, Jayne Street, Beach Drive, streets near Cornish Park and the Algonquin Dam — wind and hail from above, rising water from below. April 2026 put residences under flood threat when the Fox River hit 11.5 feet. Standard policies exclude flood damage, so wind and flood claims may need separate filings. Properties in or near FEMA-designated flood zones face a more complex claims process — separating wind damage from flood damage on the same home is the difference between a fair settlement and a denial.
Algonquin Storm Damage FAQs
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My home is in Algonquin but I’m not sure if I’m in McHenry County or Kane County. Does it matter for my storm claim?
It matters more than most homeowners realize. The county boundary cuts through the village along Harnish Drive and County Line Road. McHenry County and Kane County adopt different editions of the International Residential Code with different local amendments. When an adjuster writes your Xactimate scope, the code-required line items — ice and water shield extent, drip edge specifications, ventilation requirements — depend on which county’s code applies. I’ve reviewed Algonquin scopes where the carrier’s adjuster used the wrong county code and missed over $1,800 in legitimate code-upgrade items. We pull your parcel data and confirm jurisdiction before any scope gets written. If your home is near the boundary — anywhere around Harnish Drive, County Line Road, or the Randall Road corridor near Longmeadow Parkway — this step is critical.
What was the August 2025 FEMA damage assessment, and how does it help compound claims?
After the August 2025 storms knocked out power to over 66,000 ComEd customers, officials from Algonquin, Cary, Fox River Grove, and their townships ran a joint Preliminary Damage Assessment with IEMA, FEMA, and the SBA. That’s a federal-level severity record — not a news article, not a social media post. It’s government documentation confirming that the storm damage in this area warranted federal agency involvement. On compound claims where you’re filing for August 2025 hail damage and April 2026 flood damage on the same property, having a FEMA assessment attached to the earlier claim establishes a documented baseline of severity. When a desk adjuster in another state questions whether your area was really hit that hard, the federal record answers for you. Our sister company, IHC Public Adjusters, references this documentation in supplement negotiations. You choose whether to hire them — it’s never assumed.
My roof was damaged by hail and then my property flooded in April 2026. Is that one claim or two?
Two claims, likely two different carriers. Your standard homeowner’s policy covers wind and hail — the shingle damage, the dented gutters, the cracked siding. Flood damage from rising water (the Fox River hitting 11.5 feet in April 2026, flooding Cumberland Parkway, Teton Parkway, Glacier Court) requires separate flood insurance through the NFIP or a private flood policy. Here’s where Algonquin homeowners get hurt: wind-driven rain enters through hail-cracked shingles from above while floodwater rises from below, and they meet in the wall cavity or the basement. If nobody separates those two damage paths, the homeowner’s carrier says “that’s flood damage” and denies the wind portion, while the flood carrier says “that’s wind damage” and denies the flood portion. Both walk away. Proper compound claim filing means documenting each damage source independently with separate dates of loss, separate cause codes, and separate scopes.
How long do I have to file a storm claim in Illinois, and does compound damage change the timeline?
Illinois law requires “prompt notification” to your carrier, but no specific statutory deadline exists. Most homeowner’s policies allow 1 to 2 years from the date of loss — check your declarations page. On compound damage, each event has its own date of loss and its own filing window. The August 2025 hail has a different clock than the April 2026 flooding. Best practice is filing each claim within 48 hours of the event. If you experienced hail damage in 2024 or 2025 and never filed, that window may still be open but it’s closing. The longer you wait, the more the damage compounds — a hail crack becomes a leak, a leak becomes mold behind the wall, and the carrier argues pre-existing deterioration. If your Algonquin home sat through any of nine documented storm events since 2023 without an inspection, call us at (815) 356-9020 before the filing window closes on the earliest events.
On a compound claim, do I pay two deductibles?
If you’re filing two separate claims with two separate carriers — homeowner’s for wind/hail and flood for rising water — yes, each policy has its own deductible. Your homeowner’s deductible might be $2,500 for the hail damage. Your NFIP or private flood deductible might be $1,000 to $10,000 depending on your policy. That’s the reality of compound damage. We offer deductible financing so a combined out-of-pocket of $3,500 to $12,500 doesn’t delay repairs while your home continues deteriorating. Beware of any contractor who offers to “waive” or “cover” your deductible on either claim — that’s insurance fraud under Illinois law. We never waive it. Period.
How do I know if my Algonquin home has compound damage I can’t see from the ground?
You almost certainly cannot identify compound damage from the driveway. Hail strikes on asphalt shingles show up as circular dents where granules got knocked off — invisible from below. But compound damage adds a second layer: moisture that entered through those hail-weakened shingles during the April 2026 rains. I’ve walked roofs on Algonquin Road where the shingle surface looked intact from below, but from the roof deck I counted 40+ hail strikes per test square, and when we pulled back a section near the ridge, the underlayment was damp from water that had been seeping through for months. On Fox River corridor homes where ambient humidity is already elevated, that moisture migration accelerates. We walk the roof with test squares and chalk, photograph every strike, use moisture meters on the fascia and soffit, and give you a documented answer — not a guess. Free. No obligation.
Learn More About Algonquin Storm Damage & Insurance Claims
Storm Damage in Other McHenry County Cities
Compound Damage Inspection — Free, No Obligation
Algonquin has been hit by nine documented storm events since 2023 and a Fox River flood that put roads underwater in April 2026. If your home sat through any combination of those events, the damage layers are stacking. I’ve seen roofs where one hail strike from 2024 opened a leak path that April 2026 rain turned into a saturated deck. We inspect every exterior surface — roof, siding, gutters, windows, trim, decks, fences — and separate each damage source by date and cause so your claims get filed correctly. We respond the same day.
Free storm inspections • Financing available — a $2,500 deductible doesn’t have to delay your repair
Innovative Home Concepts, Inc.
4410 IL-176, Ste 1
Crystal Lake, IL 60014
(Minutes from Algonquin via Route 31 or Randall Road)
Phone: (815) 356-9020
Text: (815) 356-9020
Email: info@innovativehomeconcepts.com
Monday–Friday: 9:00 AM – 4:00 PM
CertainTeed ShingleMaster
IL Roofing License #104.015093
IHC Public Adjusters — IL Licensed Firm
A+ BBB Rating • Best of Fox since 2011
