- Tornadoes
- Hail
- Basement water
- Wind-driven rain
- Frozen pipes
Housing mix: Historic downtown homes, 1980s–2000s two-story subdivisions, townhome associations.
The 2021 tornado
On the night of June 20, 2021, an EF-3 tornado tore through neighborhoods on Naperville’s south side and continued into Woodridge, damaging or destroying well over a hundred homes. Many owners were dealing with full rebuilds, structural repairs and long displacement at the same time. Disputes over the cost of rebuilding larger, custom-finished homes followed for months.
Housing that drives cost
Much of Naperville was built from the 1980s through the 2000s: two-story homes with complex roofs, cedar or architectural shingles, brick fronts and finished basements. Near downtown and the Riverwalk, the historic district adds older homes with original millwork and plaster. These features are expensive to match, and they’re the first things a quick estimate tends to simplify.
Common Naperville disputes
- Cut-up roofs with valleys, dormers and steep pitches priced as simple gables.
- Brick-front homes where siding on other elevations is approved but trim and wraps aren’t.
- High-end interior finishes priced at builder grade.
- Basement losses under backup endorsements with limits far below rebuild cost.
Covering both counties
Naperville crosses the DuPage–Will county line, and so does our work. We serve Naperville, Lisle, Woodridge, Bolingbrook, Warrenville and Plainfield with on-site inspections.
Services available in Naperville
Every Illinois Insurance Appraiser service is available to property owners in Naperville 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 Naperville owners
My home was damaged in the 2021 tornado and the claim is still open. Is it too late?
Not necessarily, but policy deadlines may have passed or be close. Talk to an Illinois attorney about your timeline before deciding on appraisal.
Do custom finishes really affect an appraisal?
Yes. Like kind and quality is the standard in most policies, so custom cabinetry, millwork and fixtures should be priced as what they are.