Judy Chang - Skokie, IL

Skokie, IL

6,650 sq. ft. roof sections in Skokie, IL

Claim Adjustment

Initial Claim
Final Claim
322 %
Claim increase

Four Elements brought $160,000.00 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. They were also able to write off the settlement money used for his capital improvement using Section 179 of the IRS tax code. (Put some type of disclosure about meeting with a certified tax rep. to discuss this further in detail).

The Challenge

Four Elements Adjusters represented the owner in an insurance claim for storm damage at 3420 Main Street in Skokie, IL. Prior to the storm that took place in April 2020, this building had a granulated modified bitumen roofing system with acrylic coating. The existing roof system consisted of a wood deck, Poly ISO insulation, and a smooth modified bitumen roofing membrane with acrylic coating.

The storm that impacted the building produced sizeable hail accompanied by high wind speeds which caused physical damage to the roof membrane, 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, Rooftop unit replacement, and skylights in the amount of $160,000.00.

Existing Roof System

• Smooth Modified Bitumen with Aluminum Coating

Age / Condition

• 15+ years old (unknown: Fair/Poor condition for its age


• Wood, Poly ISO insulation, and a smooth modified bitumen roofing membrane with aluminum coating.

The Solution

The owner decided to install a fully adhered 60 MIL TPO roof system using the proceeds 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 perimeter sheet metal and stack vents.

A certified Mule Hide roofing contractor removed the existing modified and built-up roof system, 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 a rigid Poly ISO insulation which was mechanically attached to the decking. When ready, the contractor fully adhered the 45 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 flashed using a separate layer of 45 MIL TPO membrane which was fully adhered to the flashing substrate. All new TPO roofing accessories were installed at the penetrations following manufacturer guidelines. This specification came with a transferable 15-year material 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 mechanically attached 45 MIL TPO roofing system following a specification from Mule Hide.

• Install new TPO accessories at all penetrations and walls per manufacturer.

• Install new perimeter sheet metal, gutter, and downspouts

• Install new skylights

• Install new rooftop unit


• Transferable 15-year material warranty from Mule Hide and Four Seasons Labor from Four Elements