When it comes to roofing, Illinois homeowners should be aware of the state's regulations regarding the number of layers allowed. In Illinois, you cannot put on more than two layers of roofing due to weight and especially the weight with snow in the winter being an issue. This means that if your home has three layers of roofing and you experience even minor hail damage in Illinois or wind damage, it may be time to replace your entire roof.
Repairs on a third layer are not proper because a roofer cannot warranty a repair like that. It's important to note that when you file a claim for storm damage in Illinois, having three layers of roofing with minor damage can be enough to have the whole roof replaced.
To ensure that insurance companies cover the cost of replacing the entire roof, you may need to provide the Illinois state law that shows the regulations on the number of layers allowed. Although insurance companies may have seen this before, they may not automatically pay for the whole roof without seeing proof of state regulations.
To make this process easier, you can ask your contractor to go get local village codes and state codes and send them in for you. Alternatively, you can hunt them down yourself. You might be lucky and get a whole new roof for only minor damage. However, it's important to note that this will most likely need to be minor damage on each roof elevation, not just on one of the elevations. Insurance inspects the roof per elevation.
In conclusion, Illinois homeowners should be aware of the regulations surrounding the number of layers allowed on their homes' roofs. If you have three layers of roofing and experience even minor hail or wind damage, it may be time to replace your entire roof. Make sure to provide proof of state regulations to insurance companies and consider requesting the help of a contractor to make the process smoother.