- Tornadoes
- Hail
- Wind
- Earthquake (endorsement)
- Water damage
Housing mix: German-era brick homes, mid-century neighborhoods, newer subdivisions toward O’Fallon and Shiloh.
Brick and history
Belleville’s older neighborhoods, including its downtown historic district, are known for 19th-century brick homes built by German immigrants, many with steep roofs, brick detailing and masonry walls. Post-war neighborhoods and newer subdivisions extend east toward O’Fallon, Shiloh and Swansea, near Scott Air Force Base.
Metro East storms
The Metro East sees frequent hail and severe thunderstorms. On December 10, 2021, a tornado struck an Amazon warehouse in Edwardsville in neighboring Madison County, part of a historic December outbreak. The region also sits within reach of the New Madrid and Wabash Valley seismic zones; earthquake damage is usually covered only by a separate endorsement.
What Metro East owners dispute
- Brick and masonry repairs priced without tuckpointing or matching brick.
- Hail damage to roofs and siding on newer homes.
- Commercial and warehouse roofs in the logistics corridor.
- Earthquake endorsement claims with high percentage deductibles.
Serving the Metro East
We serve Belleville, O’Fallon, Shiloh, Swansea, Edwardsville, Collinsville and Columbia.
Services available in Belleville
Every Illinois Insurance Appraiser service is available to property owners in Belleville and nearby communities, including:
- Appraisal Clause Representation
- Homeowner Claim Appraisal
- Commercial, Condo & HOA Appraisal
- Roof & Hail Damage Appraisal
- Tornado, Derecho & Wind Appraisal
- Basement, Backup & Water Damage Appraisal
- Fire & Smoke Damage Appraisal
Questions from Belleville owners
Does my homeowners policy cover earthquakes?
Usually not, unless you added an earthquake endorsement. Those endorsements often carry a percentage deductible.
Can brick be matched after a repair?
Sometimes. Salvaged or custom brick may be needed. If matching isn’t possible, the repair may need to extend to a full wall.