Chicago homeowners don't know which roof damage is actually covered by insurance after windstorms

After severe windstorms, Chicago homeowners face costly roof repairs but struggle to understand which damage their insurance will cover versus what they'll pay out-of-pocket. They're confused by roofing myths that lead them to either file claims they'll be denied for or skip claims they should have filed, resulting in thousands in unexpected expenses. Current insurance documentation and contractor explanations fail to clarify what's actually covered before homeowners commit to repairs.