Substantive legal and regulatory analysis of Illinois and Wisconsin insurance laws affecting storm damage restoration, public adjuster practice, and assignment of claims (AOC) contracts. Articles in this category are written by Curt Testa, Illinois Roofing Contractor License #104.019029, and analyze how state regulations and appellate court decisions shape the contractor lane for legitimate AOC operators.
THE HAIL FILES — PART 2 · The Rulebook: Inside OG 75-160, State Farm’s Internal Wind/Hail Roofing Guidelines (Exhibit 26, Unsealed) By Allied Emergency Services · The Hail Files investigative series · Updated September 3, 2026 In Part 1, we showed you the strategy — unsealed emails in which State Farm executives allegedly called full…
By Allied Emergency Services · Updated August 27, 2026 For years, Oklahoma homeowners swore something had changed. Roofs that any experienced inspector would call totaled were suddenly “wear and tear.” Claims that once paid for full replacements came back as checks for a handful of shingles and a vent cap. Now — after a Comanche…
In August 2026, Allied Emergency Services owner Curtis Testa was invited to write a guest column for Roofing Contractor, the national trade magazine, in its annual Top 100 issue. The column — Tradesmen, Not Salesmen — makes a case a lot of storm-restoration contractors get backwards: the tightening legal line between building a roof and…
Industry Alert — Federal Court Decision — August 2026. In a decision the restoration industry has been watching for months, the Eighth Circuit just ruled that when a state tells a contractor what it can say to storm-damaged homeowners, the First Amendment has something to say back. Case analyzed: Shamrock Hills, LLC v. State of Iowa, No. 25-2991 (8th…
Direct Answer: Is Illinois a Matching State for Siding Claims? Illinois is generally not considered a statutory “matching state” in the way some states are. Illinois does not have a broad, simple rule that automatically requires an insurance carrier to replace every undamaged siding elevation whenever one wall is damaged. But that does not mean…
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