How the Appraisal Clause Works in an Illinois Property Policy
A plain-English walk through the appraisal clause: who can invoke it, how the panel is built and what the award really decides.
Articles
Policyholder Articles for Illinois Property Owners
Practical guides on policy wording, documentation and claim timing, written by people who work appraisal panels.
Section 155, Delay and Appraisal: What Illinois Policyholders Should Know
Illinois law lets courts penalize unreasonable claim delays. Here’s, in general terms, how that remedy differs from appraisal — and why the two aren’t interchangeable.
Hail on the Prairie: Documenting Roof Damage on an Illinois Home
What to photograph, measure and keep after an Illinois hailstorm so your roof claim stands up to scrutiny.
The First 30 Days After an Illinois Tornado or Derecho
A practical checklist for the first month after a major wind event — what to do, what to keep and what not to sign.
Basement Backup vs. Flood: Reading Your Illinois Water Coverage
Why the source of the water decides your coverage in a flooded Illinois basement — and where appraisal fits once coverage is settled.
Siding, Matching and Line of Sight: A Common Illinois Claim Dispute
When replacement siding doesn’t match what’s left on the house, how far should the repair go? Here’s how that dispute usually plays out.
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