Pro Insurance Group

Storm rolls through Elgin or Huntley, and the first knock on your door the next morning usually is not your insurance company. It is a contractor with a ladder and a contract.

Before you sign anything, do these four things:

1. Photograph everything before you touch it. Roof, siding, gutters, vehicles, fence. Wide shots and close-ups.
2. Make temporary repairs to prevent further damage (tarp the roof, board the window) and keep every receipt. Your policy expects this and reimburses it.
3. Call your agent before you call a roofer. We will tell you whether the damage is likely above your deductible and worth a claim at all.
4. Never sign an assignment of benefits on the doorstep. It hands your claim to the contractor.

We have walked hundreds of Fox Valley families through storm claims. If you are not sure what your wind/hail deductible even is, that is a 5 minute phone call to our Elgin or Huntley office.

Would you know yours off the top of your head?

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Does your business need EPLI? If you have employees, the answer is usually yes, and the need is highest in industries with high turnover and lots of hiring: restaurants, retail, healthcare and senior living, staffing, and construction. Employment claims can come from current employees, former employees, and even applicants, and the defense cost is often the biggest expense. Here is the by-industry breakdown.