// Illinois & Indiana · Storm claims · Roofing · Siding · Gutters
Trident is a licensed public adjusting firm and a general contractor. We adjust the loss and work the construction, in Illinois and Indiana. One free visit starts both.
Rather talk? Call or text (903) 952-2766
No cost, no obligation. We don't sell your information.
01 Two ways in
We adjust the loss and work the construction. Same team, same phone number. What you need decides who shows up first.
The insurance company's adjuster works for the insurance company. A public adjuster works for you.
Free inspection, written photo report, then a quote with quantities on every line so you can compare it against anyone else's.
02 How it works
About 45 minutes. Roof, siding, gutters, interior if there's a leak. Everything photographed.
Day 1A written report with photos. If it's a claim, what your policy owes. If nothing needs fixing, we say so.
Within daysIf there's a claim, Trident Adjusting documents it, presents it, and holds the carrier to its deadlines.
If you have a claimTrident Construction builds it in eleven layers, in order, with photos of every stage sent to you.
Build day03 When the carrier says no
Most storm claims that get denied or lowballed were never argued with the right evidence. We build the file the carrier can't wave off, and we keep going until the policy pays what it says.
A lot of letters say the damage is covered, then pay $0 because the carrier's number came in under your deductible. That isn't a denial. It's an estimate you can challenge. Send us the letter and we'll read it with you, free.
Send us the letter →"My insurance denied everything. Trident came out. Yes it took about 2 months but Allstate paid for everything!"
04 When talks stall
Most homeowner and commercial policies include an appraisal clause. When you and the carrier agree the storm is covered but can't agree on how much, either side can invoke it. Each side names an appraiser, the two appraisers pick an umpire, and any two of the three set the amount. No lawsuit, no courtroom.
We invoke it under your policy's appraisal provision as written, and agree only to the conditions the policy itself sets. And appraisal doesn't stop the build: with written notice and full documentation before tear-off, your roof goes on while the number gets settled.
Two signatures set the amount. The moment any two of the three agree, the number is written down and the carrier pays on it.
Not our client? That's fine.
Public adjusters, contractors and attorneys bring us the file when the number won't move. Written fee up front, Xactimate scope, panel handled start to finish.
05 What you're paying for
Every layer lands in the order our crews install it. Photos are from our own jobs, so this is the order you should expect on any quote.
06 Roof systems we build
Architectural asphalt is most of what the suburbs need. We also build commercial low-slope roofs, standing-seam and panel metal roofs, DaVinci composite slate and shake, cedar shake, clay and concrete tile, and natural slate. Design references below; Trident jobs are in the next section.
Design references via Unsplash (Unsplash License), except the Trident job noted.
07 Recent work
// Reviews
"My insurance denied everything. Trident came out. Yes it took about 2 months but Allstate paid for everything!"
"Trident came by and told me my insurance owes for replacement and they made sure my insurance came back out."
"The communication from start to finish was stellar and they never missed a beat. The crew that came to install the new roof was courteous and cleaned up."
"Michael told me an insurance claim can take a long time but this was way faster. The project was top notch."
"Michael and his staff were so professional. They were kind, and helped me get my roof approved by my homeowner's insurance."
"The entire Trident team was professional and efficient. My yard and lawn were left cleaner than they were before."
08 Right after a storm
Four things to do before anyone touches the roof. Then text us the photos and we take it from there.
Every side of the house, the roof from the ground, gutters, screens, the AC unit, anything dented. Wide shots and close-ups, before any cleanup.
Tarp a leak or move furniture, but keep every receipt. Emergency protection is usually covered.
Storm chasers show up within hours. Don't sign a contract or an assignment of benefits on the driveway. Get a second look first.
Text them to (903) 952-2766 or start above. We'll tell you straight whether it's worth a claim.
09 Free guide
Most claims are lost in the first week, before anyone from the insurance company shows up. Our seven-step checklist walks you through what to do, in order, so the file is built before the adjuster arrives.
Checklist, claim diary, and what to ask the adjuster before they leave.
Prefer not to give an email? Read the guide online →
10 Questions
Straight answers. If yours isn't here, call or text (903) 952-2766.
Nothing. We come out, photograph the roof, siding and gutters, and send you a written report with the photos. If nothing needs fixing, we tell you that.
The adjuster the insurance company sends works for the insurance company. A public adjuster is licensed by the state to represent you, the policyholder. We document the loss, read the policy, price the damage line by line, and deal with the carrier so you don't have to.
No. A first offer is a starting point and a denial is a position. We reopen the file with new documentation, re-present it, and if the carrier won't move, most policies let each side name an appraiser to settle the amount under the policy's own appraisal provision.
No. Appraisal is a clause inside most policies for settling a disagreement about the amount of a covered loss, without a lawsuit. You name an appraiser, the carrier names one, the two pick an umpire, and any two of the three set the amount. It doesn't decide whether something is covered, only what the covered work is worth. We invoke it under your policy's own terms and walk you through every step. See how the panel works.
Usually not. It means the carrier's estimate came in below your deductible. The damage is covered; the number is what's in dispute. Send us the letter and the estimate. If the scope is short, we re-measure, re-document and re-present it, and the payment often changes.
No, and be careful of anyone who says they will. Your deductible is part of your policy. We never waive, rebate or absorb it.
Simple: we adjust the loss and we work the construction. Trident Adjusting handles the claim with the carrier. Trident Construction does the build from the same photos and measurements. The terms are written into the agreement you sign, and we walk through them with you before you sign.
Trident Construction Group Corp. is a general contractor. We manage the job, schedule the crews, order the material and photograph every stage so you can see exactly what went on your house.
Architectural asphalt (IKO Cambridge and IKO Dynasty) over ice & water shield and synthetic underlayment. Commercial flat and low-slope roofs in TPO, EPDM and modified bitumen, including rooftop-unit curbs and drains. Metal roofing in standing seam, exposed-fastener panel and metal shingle. Designer systems: DaVinci composite slate and shake, cedar shake, clay tile, concrete tile and natural slate.
Most single-family roofs are torn off and finished in one day. Siding runs longer depending on the house. You get photos of each stage as it goes.
11 Service area
Trident Adjusting is licensed as a public adjusting firm in both states, and our crews run both sides of the line. Don't see your town? Call or text (903) 952-2766 and we'll tell you if we cover it.
12 From the blog
Usually not. It's an estimate that came in under your deductible, and estimates can be challenged.
Read →
Ground-level signs, what hail does to shingles, and what to do in the first 48 hours.
Read →Denied is a position, not a verdict. Here's how each reason gets answered.
Read →Free, about a minute
Five questions online, or one call. Either way you get a straight answer and a written report with photos.
Free guide + storm alerts
Get the Letter Decoder: "covered," "ACV," "depreciation," "below deductible," in plain English, plus the five things to do before you sign anything. Then we'll only email you when a storm hits your ZIP.
Tell us which one you are and we'll send your offer code. Storm damage? Check the box and we'll include the PDF on what to do after a loss.