Choosing a Roofing Contractor for Storm Damage Roof Replacement and Insurance Claims in Southern Illinois

September 4, 2026

The right roofing contractor for storm damage roof replacement and insurance claims is licensed in Illinois, works directly with your insurance adjuster, and backs the work with a real craftsmanship warranty. JS & Sons Construction is a family owned roofing and construction company founded in 2016, licensed under Illinois State Roofing License #104.018305 and #105.010420, serving Randolph County, St. Clair County, and the rest of Southern Illinois.

Key Takeaways

• JS & Sons Construction has operated since 2016 as a family owned roofing and construction company in Southern Illinois.
• Roof replacements come with a 5-year craftsmanship warranty.
• Insurance Claims Assistance covers hail, wind, tornado, and fire damage, and we can speak to your insurance company on your behalf if the settlement falls short.
• Financing options include 18 months interest-free, 12 months same-as-cash, or a 10-year low interest loan.
• We run two offices, one in Sparta and one in Belleville, both open Monday through Friday from 8 AM to 4 PM.

What to Look for in a Storm Damage Roofing Contractor

Storm damage work is different from a routine reroof. You're usually dealing with a damaged roof, a nervous homeowner, and an insurance company that needs specific documentation before it releases a settlement. A contractor who handles storm damage well needs three things: proper licensing, real insurance coordination experience, and materials rated for the kind of damage that got your roof in this position in the first place.

We hold Illinois State Roofing License #104.018305 and #105.010420, and we carry full liability and workers' compensation insurance. Our crews are TAMKO Pro trained and certified, which means we're trained directly on TAMKO product installation and specifications, not just general roofing techniques. That matters when a manufacturer warranty is on the line after storm repair.

How Does JS & Sons Construction Handle Insurance Claims After Storm Damage?

We work directly with your insurance company when a claim is filed, and we speak on your behalf if your settlement doesn't cover the full cost of repairs. Our Insurance Claims Assistance covers hail, wind, tornado, and fire damage, walking you through the adjuster process from the first inspection to the final invoice.

Here's how a typical covered loss plays out. Your insurance company sends an adjuster to inspect the damage and issue a settlement amount. You're responsible for your policy deductible out of pocket, and the rest comes from the insurance payout. If that settlement isn't enough to cover the full scope of the repair, we step in and talk directly with the insurance company to try to close the gap. This is the same process whether the damage is to your roof, your siding, or a full exterior after a bad storm. You can read more about insurance-related roofing and construction work alongside the rest of what we handle on the exterior of a home.

Roof Replacement, Re-Roofing, and Emergency Repair: Which One Fits Your Situation

Storm damage doesn't always mean a full roof replacement. Sometimes a re-roof or a targeted repair does the job. Here's how the main options compare:

Every one of these starts with a Free Estimate and Consultation, which is free and includes an honest conversation about real pricing for your specific roof, not a generic ballpark.

What Materials Do We Install on Storm-Damaged Roofs?

We install shingles built specifically for the kind of severe weather that causes storm damage in the first place. Our lineup on the products page includes Titan XT Premium Architectural Shingles and StormFighter Flex Polymer Modified Shingles, which was named a 2025 Product of the Year. We're also a TAMKO Pro certified installer, which covers TAMKO products, installation techniques, and manufacturer instructions specifically.

Polymer modified construction in a shingle like StormFighter Flex is built to flex rather than crack under impact, which is the kind of stress hail and high wind put on a roof surface. That's a materials fact, not a sales pitch, and it's part of why we walk homeowners through shingle options during the free consultation rather than defaulting to one product for every roof.

What Should You Ask a Roofing Contractor Before You Hire Them?

Before signing anything, ask for proof of licensing and insurance, ask how the contractor handles insurance claim shortfalls, and ask what warranty covers the labor, not just the materials. A contractor who hesitates on any of those three questions is worth a second look before you commit to a full roof replacement.

Specifically, ask to see the roofing license number, confirm the company carries workers' compensation coverage (so you're not liable if someone's hurt on your roof), and get the craftsmanship warranty in writing. We answer all three directly: our licenses are #104.018305 and #105.010420, we carry full liability and workers' comp coverage, and our roof replacements carry a 5-year craftsmanship warranty in writing.

Financing a Roof Replacement Without Waiting on an Insurance Payout

Not every roof replacement is tied to an insurance claim, and financing is available either way. We offer 18 months interest-free financing, a 12-month same-as-cash option, and 10-year low interest loans for homeowners who'd rather not wait on a settlement or who are covering a repair that falls outside a policy.

This runs alongside our Insurance Claims Assistance, so if part of your roof is covered and part isn't, both paths are on the table during your free consultation.

Where We Work Across Southern Illinois

We're based out of two offices: one in Sparta at 9610 Illinois Highway 154, and one in Belleville at 205 S Illinois St. Between them, we cover Randolph County, St. Clair County, Sparta, East St. Louis, Herrin, and the surrounding towns across Southern Illinois. Full details on where we work, including nearby communities, are on our service areas page.

Both offices run Monday through Friday, 8 AM to 4 PM, with Saturday available by appointment. Beyond roofing, our crews handle siding, windows, doors, decks, fencing, and concrete pads as part of full exterior storm damage recovery, since a bad storm rarely stops at the roofline. You can see how past projects and clients describe the work on our testimonials page, and read more about how we got started on our about us page.

Frequently Asked Questions

How much does a storm damage roof replacement cost with JS & Sons Construction?

Pricing depends on the size of your roof, the extent of the damage, and the materials you choose, so we quote it through a Free Estimate and Consultation rather than a flat rate. That consultation is free and includes a real pricing conversation, not just a rough number, before you decide anything.

What if my insurance settlement doesn't cover the full cost of my roof replacement?

We speak directly with your insurance company on your behalf when the settlement proceeds aren't enough to cover the loss. Our Insurance Claims Assistance is built specifically for this gap, covering hail, wind, tornado, and fire damage claims through the adjuster and settlement process.

Do I have to file an insurance claim to get financing?

No. Financing is available whether or not a claim is involved, with 18 months interest-free, 12 months same-as-cash, or a 10-year low interest loan option. Homeowners covering repairs outside a policy, or a deductible on top of a settlement, can use the same financing options.

Are you licensed to do roofing work in Illinois?

Yes. We hold Illinois State Roofing License #104.018305 and #105.010420, and we carry full liability and workers' compensation insurance. Our crews are also TAMKO Pro trained and certified for TAMKO product installation specifically.

If your roof took a hit in a recent storm and you're not sure whether you're looking at a repair, a re-roof, or a full replacement, tell us what happened and what you're seeing on your roof or ceiling using the form below, and we'll help you figure out the right next step.