Often, hail hits every year in the Chicago area; When it hails, your roof is a critical part of your property, and you need to inspect it ASAP. Hail doesn’t always look the way you expect it to look! Some signs of hail damage are obvious, like a broken window or a dented car. But it’s the minor, unnoticeable damage that takes a trained eye to spot. Even if you don’t have obvious holes in your roof, you likely still need a hail damage roof inspection to determine how much damage you’re dealing with and, if so, how to proceed with roof repairs.

We suggest you look for evidence of dents and dings on your shingles, and splatter marks on your roof vents, gutters, flashing, and other roof penetrations.

If your roof has any of the damage listed here, it’s a good chance you’ll have the basis of a homeowner’s insurance claim. Your first instinct might be to call your insurance agent, but make sure you understand your policy and coverage first.

If you suspect that your property has been damaged by hail during a storm, we can help you. Inspections are free, and there is no obligation.

Insurance companies consider it the homeowner’s responsibility to maintain their property and take steps to prevent further damages.

If your eyes are not well-trained, it’s easy to overlook signs of hail damage. Just because you can’t see damage from the ground doesn’t mean your roof isn’t damaged. You might have potential leaking, water damage, mold, and costly repairs.

New Kingdom has over a decade of experience with insurance claims specializing in hail damage repair and restoration of roofs, fascia, gutters, siding, windows, and doors.

There are two types of homeowners in this world: those who neglect and procrastinate with having an inspection after hail damage, and those who are proactive and have peace of mind getting a roof assessment ASAP.

Most people associate wind damage with major storms like tornadoes and hurricanes, but high winds can cause damage to their roofs even without hail or other harmful weather. High winds do not hit the roof uniformly; instead, the wind tends to cause damage to the edges of the roof or areas of the roof that are already loose.

Wind damage might not always seem obvious, but even the smallest damaged areas of the roof will get worse over time, leading to less energy efficiency and moisture getting into your property, causing structural weakness.

There are several types of damage high winds can cause to your roof, including missing shingles, gutter problems, leaks, or rot due to water exposure. When high winds hit the roof, shingles can loosen or fall off. Even new, secure shingles can tear away if wind speeds are very high. Other wind damage to a roof includes damage caused by falling objects and debris such as tree branches and downed power lines.

If you suspect your property could have wind damage, schedule an inspection and damage assessment as they are free and there is no obligation with New Kingdom.

Our company has over a decade of experience with finding hidden wind damage. Leaks might not occur for a year or longer after a storm, but our experts can locate problem areas before they become a bigger problem.

What to know if your multi-family property suffers wind damage.

A professional HOA multi-family damage inspection and insurance policy review from an expert is critical when dealing with hail and wind damage; these types of insurance policies are complex and may or may not be required to cover the structure’s exterior.

The insurance companies often only cover “common areas." We will guide you to the best process for your situation, educating and helping with your homeowner’s claim.

Send us your insurance policy for a free review so we can provide professional advice about your coverage and the extent of your claim.

Check our section Multi-family HOA’s Claims & Restoration and learn how to protect your property against storm damage.

Wind damage on commercial properties.

While your business faithfully pays its premiums for insurance coverage, it may not be a simple task to collect the compensation your company depends on and deserves in the event of a severe windstorm. Insurance companies can and will attempt to minimize the burden of your losses.

While many businesses and property owners quietly accept less from their insurance companies, there is another option. If your business has trouble collecting on a claim for windstorm damage, don’t hesitate to contact us. We will fight for you and what you really deserve.

I bet you’re like most homeowners: you’re a busy person who constantly juggles getting everything done. We take the load off you; we do the assessment, repair, and negotiate the claim.

Starting is easy: Schedule a free inspection and learn more about the Commercial Property Insurance Claim.

(CTA for the section) Schedule a Free inspection. Find out if you qualify for disaster restoration services from an insurance-covered peril. Your only cost will be your deductible. Call us now to find out!

Water and flood damage is often confused as being the same event or peril. They can be different, with one being covered and one being rejected under most property insurance policies. We know how to speak the insurance language; we can guide you to use the correct terminology with the insurance company when filing your claim. Water or flood damage can be incredibly stressful, leaving your property devastated.

These types of claims are the most frequently reported to the insurance companies; events like frozen or broken pipe leaks, sewage backup, leaks from appliances, flooded basements, and storm damages are typical water losses that are covered under most property policies.

If your property experienced any of these damages, proper emergency mitigation is the first important task to do. The longer building materials are exposed to wet conditions, the more potential for deadly mold and mildew to develop, and the more hazardous the situation becomes.

With over a decade of experience, our team at New Kingdom will do everything possible to reduce the stress of such a loss and protect your property. We have experience working with flood and water damage claims with single-family homes, apartment complexes, multi-family properties, townhomes, and retail and commercial properties.

It’s easy! We will thoroughly inspect your property and expertly examine each area to reduce or eliminate structural damage and prevent mold. We will work with you to get the settlement you deserve and also do the construction and restoration of the property to pre-loss condition or even better.

Winter damage:

Water damage is the main concern for many homeowners during the winter. Water can invade your home in many ways, wreaking havoc and destroying your property. Buckled floors, ruined wall coverings, water-logged personal property, and the potential for accelerated mold are all frightening examples of water damage.

• Your insurance policy may cover your home and personal property from these common winter hazards:Frozen pipes

1. Fallen trees and branches

2. Damage from snow and ice

3. Roof collapse

4. Windstorms

There is no need to worry about getting reduced reimbursements from your insurance company, or getting stressed-out with complex and time-consuming insurance claims. New Kingdom is experienced and understands the process from start to finish! We’ll secure the highest possible settlement for you, and complete all your repairs as quickly as possible.

5 ways to protect your property from freezing temperatures and blizzards:

1. Trim tree branches. Weak tree branches can damage your home during blizzards and high winds.

2. Insulate pipes. Add extra insulation to pipes in unheated areas like attics, garages, and cellars to prevent freezing and bursting.

3. Insulate your attic. Heat escaping from your attic can quickly melt the snow on your roof and lead to water damage through cracks or holes.

4. Shut off your water. If you go on a winter vacation or trip, turn off your water to avoid broken, frozen pipes while you’re away.

5. Set your thermostat. Keep your house at a certain temperature when you’re not home to reduce the risk of freezing.

Protection is key! You may be covered from weather-related damage, but you’re responsible for the deductible. Our winter storm public adjusters know how to prepare and maximize your insurance claim and negotiate on your behalf for the best settlement. We also do all repairs when your property suffers damage.

There’s no need to stress because we do it all!

Schedule a FREE inspection; contact us now if you need emergency services.

Mold can grow anywhere with high moisture levels, which can cause structural damage, unsightly messes, and health problems. Mold damage isn’t just bad for your health; it’s also bad for business. Whether you’re a company that works directly with customers or serve as an office for your staff, mold presents serious risks and liabilities that no employer should ignore.

Mold and environmental remediation is more than mold removal!

Mold removal does not address identifying the source. However, mold remediation centers on all actions taken to combat mold infestation and return mold levels to the point that it is not dangerous to the health of inhabitants and the building’s structure.

Mold remediation includes:

• Moisture evaluation and testing.
• Mold abatement, remediation, decontamination, and encapsulation. fungal and mold testing, including testing for toxic black mold, “stachybotrys."
• Antimicrobial and antifungal treatments.
• Contaminated indoor air quality testing.

How to know if my insurance covered mold damage?

Whether your homeowner’s insurance policy covers mold damage largely depends on the cause of the mold.

Policies typically exclude coverage for mold damage, except when the mold results from a covered claim such as water damage. Standard homeowner’s insurance policies protect you from water damage caused by sudden and accidental incidents.

Suppose the resulting moisture from such an issue causes mold to develop. In that case, you’d be able to file a claim for mold removal, as well as for the repair of any property permanently damaged by the mold, under your water damage coverage.

As much as possible, try to prove that this mold is related to your initial water damage claim. That way, you won’t get stuck paying two separate deductibles. However, it’s in your insurance company’s best interest to view the damage as a separate claim. You shouldn’t be surprised if you encounter some resistance when trying to reopen a former claim.

5 steps to file a mold claim:

When dealing with mold, acting fast is essential; mold can start to form as early as one day.

1. Shut off the main water valve as quickly as possible.

2. Document the damage.

3. Hire a water removal professional to dehumidify 4. the area.

5. Make the mitigation repairs needed to protect your home from further damage.

6. Understand your policy and file an insurance claim.

Imagine if you can take care of all these steps with only one call! Call New Kingdom and don’t take any extra risk.

Fires are disasters that can wreak severe and sudden havoc on properties, affecting your job, business, tenants, family, and life. The first thing to do is respond to any emergency. If the occupants are in danger or if a crime has been committed, call 911. After that, give us a call, and we will rapidly perform restoration, smoke and soot cleaning for residential and commercial properties, and board-up and fence-up services to prevent vandalism.

As soon as the emergency is under control, our company will assess the damage to determine the “scope of loss" and advise you on the best way to move forward.

After reviewing the insurance policy, we will file your claim to get the maximum possible settlement. We will handle everything from the negotiation to the repair or rebuild of the property to pre-loss condition.

After a fire has damaged a property, the property is not in a living or working condition. Many people do not know that “additional living expenses" or “loss of use" can all be claimed and covered by your insurance company. Our experts know how to deal with this so you can return to life and operate in safe conditions, minimizing your costs.

If you live in a multi-family property and one of the other units suffered fire damage, your residence may also have suffered damage from soot, smoke, or heat that often is unnoticeable.

Contact us to get a free inspection with no obligation to have peace of mind that your property and occupants are safe, and find out whether or not it’s worth filing an insurance claim.

Schedule a FREE inspection; contact us now if you need emergency services.

Having Commercial Fire Damage Is Stressful Enough; No One Wants the Added Frustration of the Claim and Repair Process.

Small business owners tend to underestimate the likelihood of a fire. They also don’t recognize how much time and money it takes to get their business cleaned-up and running again after a fire. The fire department’s investigators need time to complete their research. Insurance companies will also carefully investigate your property claims. Repairs need to happen. All of these tasks take time.

Fires often cause a substantial amount of property damage in a short period, potentially devastating a small business if the owner doesn’t have expert representation during an insurance claim.

Let us know what questions you have about your policy, the claim, or the restoration process. Our team of caring professionals is ready, willing, and able to help.