BIB’N Enterprises - Skokie, IL

Evanston, IL

801 Main St

Claim Adjustment

Initial Claim
Final Claim
Claim increase

Four Elements brought $187,818.00 worth of equity back to the building owners’ asset. The owner had zero out of pocket expenses aside from their ($1,000.00) deductible and had zero headaches of handling negotiating with their carrier. He was also able to write off the settlement money used for his capital improvement using Section 179 of the IRS tax code. Please consult with a Certified Public Accountant for more details.

The Challenge

Four Elements Adjusters represented the owner in an insurance claim for storm damage at 801 Main Street in Skokie, IL. Prior to the storm that took place in April 2020, this building had a granulated modified bitumen roofing system. The existing roof system consisted of a wood deck, 1.0” perlite insulation, a 3-ply built-up roof, and a granulated modified bitumen roofing membrane.

The storm that impacted the building produced sizeable hail accompanied by high wind speeds which caused physical damage to the roof membrane, metal mansard, rooftop equipment, and perimeter sheet metal. Four Elements Adjusters handled all the negotiations with the insurance carrier until the claim was settled. When the claim was settled it resulted in approval of a complete roof replacement, new metal mansard, window capping, and roof accessories in the amount of $187,818.00. The owner also had code coverage in their policy so the new roofing system would receive a total of 5.5” of new insulation when the existing roof assembly only had 1.0”.

Existing Roof System

• Smooth Modified Bitumen w. Acrylic Coating

Age / Condition

• Warehouse: 15+ years old – Fair/Poor

• Upper Section: 5 years- Good/Fair


• Upper Section: Wood, 3.0” Poly ISO, Modified Base Sheet, Smooth Modified Bitumen Membrane with Acrylic Coating, and another Smooth Modified Bitumen Membrane with Acrylic Coating.

• Warehouse: Wood deck, multiple built-up roof systems with gravel, and two smooth modified bitumen roofing layers with acrylic coating

The Solution

The owner decided to upgrade the roofing systems to a fully adhered 60 MIL TPO roof system using the funds from the insurance claim. The roof specification chosen followed Mule Hide guidelines for installation of a single ply TPO roofing system over a wood substrate. In addition to the roof replacement, the owner replaced the skylights, roof accessories, gutters, and downspouts with new.

A certified Mule Hide roofing contractor removed the existing roof systems, insulation, curb flashings, perimeter and flashing metal, and roof accessories to expose the wood decking. All the debris generated during the project were disposed of utilizing a waste management service facility that recycles the material. Upon tear off the wood substrate was inspected by the roofing contractor to ensure it was in suitable condition to accept the new roofing system. The contractor then installed 5.5 inches of new Poly ISO insulation which was mechanically attached to the decking (The insulation thickness meets R30 insulation requirement for Illinois). When ready, the contractor fully adhered the 60 MIL TPO roofing membrane to the insulation per manufacture requirements.  All seams and laps of the membrane were hot air welded using a Robotic Leister self-propelled hot air welding machine. All roof penetrations were raised to accommodate the new roof height and were flashed using a separate layer of 60 MIL TPO membrane which was fully adhered to the flashing substrate. All new TPO roofing accessories were installed at the penetrations following manufacturer guidelines. New 24-gauge perimeter sheet metal gutters, and downspouts were fabricated to accommodate the new roof system and installed per manufacturer guidelines. This specification came with a transferable 20-year NDL full system warranty from the manufacturer and a Four Seasons Labor Warranty from Four Elements Restoration.

Replacement Specification

• Tear off existing roofing assembly and install a new fully adhered 60MIL TPO roofing system following a specification from Mule Hide.

• Remove all perimeter and flashing metal and replace with new 24-gauge galvanized sheet metal.  

• Install new TPO accessories at all penetrations per manufacturer.

• Install new skylights, gutters, and downspouts.


• Transferable 20-year material warranty from Mule Hide and Four Seasons Labor from Four Elements