Illinois §155 Bad Faith Claims After Storm Restoration Carrier Disputes: A Contractor’s Guide for Homeowners
Direct Answer: When Can an Illinois Storm Insurance Dispute Become a §155 Bad Faith Issue?…
Illinois §155 Bad Faith Claims After Storm Restoration Carrier Disputes: A Contractor’s Guide for Homeowners
Direct Answer: When Can an Illinois Storm Insurance Dispute Become a §155 Bad Faith Issue? In Illinois, a storm restoration insurance dispute may become a 215 ILCS 5/155 issue when an insurance carrier’s claim delay, denial, or underpayment appears vexatious and unreasonable. Homeowners often call this “bad faith,” but Illinois law commonly analyzes these disputes…
Power Dry v. Bean Explained: Why Illinois Storm Restoration Contractors Cannot Negotiate, Advocate, or Communicate About Coverage With Insurance Carriers — Or the Assignment Is Void
Published: May 23, 2026 Author: Curt Testa, Owner and CEO, Allied Emergency Services, Inc. Credentials referenced: Illinois Licensed Roofing Contractor #104.019029 · IICRC Certified Restoration Firm #70133670 · 27 years field experience In Power Dry of Chicago, Inc. v. Bean, 2022 IL App (2d) 210043, the Illinois Appellate Court (Second District) affirmed the dismissal of…
IL DOI Bulletin 2026-02 Just Eliminated the Contractor–Public Adjuster Referral Model in Illinois. Here’s What It Actually Says — and Why the AOC Model Is the Only Compliant Path Forward.
Published: May 21, 2026 Author: Curt Testa, Owner and CEO, Allied Emergency Services, Inc. Credentials referenced: Illinois Licensed Roofing Contractor #104.019029 · IICRC Certified Restoration Firm #70133670 · 27 years field experience On January 26, 2026, Illinois Department of Insurance Director Ann Gillespie issued Company Bulletin 2026-02, addressed to all Illinois public adjusters. The bulletin…
Allied StormShield: Engineered Class 4 Impact-Resistant Roofing Systems Built for Illinois Storms
Allied StormShield is a three-tier roofing system engineered specifically for Illinois hail, wind, and roof-age underwriting pressures. Every tier centers on UL 2218 Class 4 impact-resistant shingles, manufacturer-specified high-wind nailing, and full code compliance with the International Residential Code chapters governing roof assemblies (IRC R905), attic ventilation (R806), and roof sheathing (R503). The tiers differ…
Class 4 Impact-Resistant Roofing in Illinois: A Homeowner’s Guide to UL 2218 Shingles, Wind Mitigation, and Insurance Premium Credits
A Class 4 impact-resistant (IR) shingle is a roofing product that has passed the UL 2218 standard’s 2-inch steel-ball drop test — the highest rating in the four-tier UL 2218 system. In Illinois, Class 4 IR shingles are not subject to a mandatory premium discount under state law (unlike Texas under HB 1183), but several…
