Direct Answer: When Can an Illinois Storm Insurance Dispute Become a §155 Bad Faith Issue? In Illinois, a storm restoration insurance dispute may become a 215 ILCS 5/155 issue when an insurance carrier’s claim delay, denial, or underpayment appears vexatious and unreasonable. Homeowners often call this “bad faith,” but Illinois law commonly analyzes these disputes…
Published: May 23, 2026 Author: Curt Testa, Owner and CEO, Allied Emergency Services, Inc. Credentials referenced: Illinois Licensed Roofing Contractor #104.019029 · IICRC Certified Restoration Firm #70133670 · 27 years field experience In Power Dry of Chicago, Inc. v. Bean, 2022 IL App (2d) 210043, the Illinois Appellate Court (Second District) affirmed the dismissal of…
Published: May 21, 2026 Author: Curt Testa, Owner and CEO, Allied Emergency Services, Inc. Credentials referenced: Illinois Licensed Roofing Contractor #104.019029 · IICRC Certified Restoration Firm #70133670 · 27 years field experience On January 26, 2026, Illinois Department of Insurance Director Ann Gillespie issued Company Bulletin 2026-02, addressed to all Illinois public adjusters. The bulletin…
Allied StormShield is a three-tier roofing system engineered specifically for Illinois hail, wind, and roof-age underwriting pressures. Every tier centers on UL 2218 Class 4 impact-resistant shingles, manufacturer-specified high-wind nailing, and full code compliance with the International Residential Code chapters governing roof assemblies (IRC R905), attic ventilation (R806), and roof sheathing (R503). The tiers differ…
A Class 4 impact-resistant (IR) shingle is a roofing product that has passed the UL 2218 standard’s 2-inch steel-ball drop test — the highest rating in the four-tier UL 2218 system. In Illinois, Class 4 IR shingles are not subject to a mandatory premium discount under state law (unlike Texas under HB 1183), but several…
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