Local storm history
Why Moline roofs take a beating
The Great Lakes states get the full range of severe weather: spring and summer supercells bring hail and damaging straight-line winds, occasional tornadoes track through, and winter piles on ice and heavy snow load. Wind and hail are the roof claims that recur every season. Across Illinois the recurring claim drivers are wind and hail, most of it in the spring–summer severe season. That is the state-level picture; Moline's own exposure depends on where in Illinois Rock Island County lies, and any individual storm is narrow enough that one street can be stripped while the next is untouched.
Moline is the largest of 4 places in Rock Island County — roughly 30% of the county's residents, which means it absorbs the biggest share of inspection demand after a widespread event and is where out-of-area crews head first.
Statewide, Moline ranks 36th by population of the 366 places Illinois records — larger than roughly 90% of them. That is the honest measure of how many local contractors are realistically within reach, and of how quickly the queue fills when a system covers several counties at once.
Rock Island County has lost roughly 2.2% of its population since 2020 (about 3,124 residents), so the housing stock trends older — age and prior wear are the first things an adjuster will raise, and thorough photo documentation is what answers them.
Rock Island County accounts for 1.1% of Illinois's residents, 14th of the state's 102 counties by population. Counties outside the largest few tend to be worked by adjusters after the metros are cleared, which is a practical argument for reporting the loss the same week rather than waiting to see what the neighbours do.
Rock Island County spreads about 141,236 residents across 4 recorded places, so Moline at roughly 41,965 is close to the 35,309 average for a place in this county. A hailstorm or wind event does not respect that distribution — when one system covers the county, every one of those places files in the same week, against the same pool of licensed crews.
The largest county bordering Rock Island County is Scott County, across the IA line, with about 174,270 residents — a bigger market than this one, and the direction most surge crews come from when local capacity runs out. Remember that crossing into IA also crosses into a different insurance code and a different filing deadline.
The places in Rock Island County closest to Moline in size — Rock Island (~36,132), East Moline (~20,806), and Silvis (~7,896) — sit in the same storm track and draw on the same contractors, so if roofs are being replaced there it is worth having Moline checked before the queue lengthens.
Storm climate summarized from public NOAA/NWS and insurance-industry reporting. This is general regional context, not a guarantee your specific property was affected — a free inspection confirms your damage.
What we handle in Moline
Storm damage services in Moline
Wind damage roof repair
Missing or creased shingles after a windstorm? What wind damage looks like, what insurance covers, real repair cost ranges, and how to reach an independent local roofer.
Hail damage roof repair
Hail damage roof repair explained: how to spot bruised shingles from the ground, what insurance covers, real cost ranges, and how to reach an independent local pro.
Tree damage & removal
A tree or limb through the roof? Who to call, what insurance covers for removal and repair, real cost ranges, and how to reach an independent local pro 24/7.
What the work is worth
What a Moline storm claim usually involves
Storm work in Moline is insurance-funded, so the number that matters to you and the number that matters to your carrier are not the same one. Below are the 2 scenarios — hail damage and siding & gutter damage — our own estimate model prices, with what a standard policy usually does with each.
If it turns out to be hail damage, the work behind a Moline claim typically carries an insured value of $9,000–$30,000.
Hail is a covered peril on virtually every HO-3 homeowners policy. When an inspection finds enough bruised/fractured shingles per test square, carriers routinely approve a full roof replacement, plus gutters, screens, and sometimes siding or AC-fin damage.
Free inspection within days; once the claim is approved, most roof replacements are scheduled and completed in about 2–6 weeks (weather and material supply permitting).
- Full or partial roof replacement (asphalt, or repair for metal/tile)
- Gutters, downspouts, and screens/vents
- Often siding, window screens, and AC condenser fins
- Insurance-grade photo documentation and an Xactimate-aligned scope
Siding & gutter damage: $1,000–$20,000 is the range our own model uses for the insured scope, and it is the number an adjuster is arguing about rather than anything you pay.
Hail and wind damage to siding and gutters is covered. Note that state 'matching' rules vary, some require the carrier to reasonably match undamaged adjacent siding, which affects how much of a wall is replaced.
Inspection within days; gutter work in about a week, siding replacement roughly 1–3 weeks after approval.
- Gutter and downspout repair or replacement ($1,000–$3,500 typical)
- Siding repair or replacement ($5,000–$20,000 for larger areas)
- Matching assessment per state matching rules
- Documentation of hail/wind pattern across elevations
On a covered claim your real out-of-pocket is usually just the deductible — commonly $500–$2,500 flat, or a separate wind/hail deductible of 1%–5% of your dwelling coverage. Insurance funds the rest of the approved scope, which is why a free inspection that documents the damage properly is worth far more than shopping the repair price.
Ranges are wide 2026 national planning benchmarks from our own estimate model, not a quote for your property and not an offer. A spot repair and a full replacement are genuinely different jobs; a free inspection is what turns a range into a scope.
Before the adjuster arrives
What to do first in Moline
Documentation is the whole game on a Moline storm claim. Before any repair happens, get ground-level photos of all four elevations, interior shots of ceilings and around every penetration, and dated receipts for any emergency work. Note the storm date. None of this requires you to climb anything — the roof itself is what the free inspection is for — but it is the difference between an adjuster agreeing a full scope and an adjuster writing a partial repair.
After a significant event, the knock on the door in Moline is often not a local company. Ask for the Illinois licence and current insurance, ask where the office is, insist on an itemised written scope before signing anything, and never sign over your claim rights to get a roof looked at. Everything we send you goes to a single independent local contractor, and your details are not resold.
Don't miss your deadline
Illinois storm claim rules
Reporting: Report storm damage to your insurer promptly, most policies require notice 'as soon as practicable' after the loss.
Deadline: The deadline to file and to sue on a property claim is set by your policy and your state's law, and varies widely. Don't wait: read your policy's 'suit against us' / claim-reporting clause and confirm with your state insurance department.
Deductibles: Many policies in storm-prone areas use a separate wind/hail deductible, a percentage (commonly 1%–5%) of your dwelling limit rather than a flat dollar amount. Check your declarations page.
General information, not legal advice — verify with Your state's Department of Insurance (search '[state] department of insurance storm claim'). See the Rock Island County hub and Illinois claim guidance.
Get a free Moline storm damage inspection
Six quick questions and an independent local pro calls to inspect for free and help document your claim. Matched to one pro — never resold.
Moline storm damage FAQ
Was my Moline neighborhood in the storm's path?
Wind and wind are highly localized in Moline — damage is often invisible from the ground. The only reliable way to know is a free professional inspection. If neighbors in Rock Island County are getting roofs replaced, it's worth checking yours before your Illinois claim deadline.
What will a storm repair in Moline actually cost me?
Almost always just the deductible, if the loss is covered. That is typically $500–$2,500 on a flat deductible, or 1%–5% of your dwelling coverage where a separate wind/hail deductible applies. The project ranges quoted above are the insured value of the work — the number the carrier funds, not the number you write a cheque for.
How quickly can someone inspect my roof in Moline?
If water is coming in now, call — emergency tarping and mitigation in Moline run 24/7 and are usually dispatched same day. For a standard post-storm inspection, expect a day or two in normal conditions and longer in the week after a widespread Illinois event, when every place in Rock Island County is calling at once. Reporting the loss early is what puts you at the front of that queue.
How long do I have to file a storm damage claim in Illinois?
The deadline to file and to sue on a property claim is set by your policy and your state's law, and varies widely. Don't wait: read your policy's 'suit against us' / claim-reporting clause and confirm with your state insurance department. Report storm damage to your insurer promptly, most policies require notice 'as soon as practicable' after the loss. Verify your specific deadline with Your state's Department of Insurance (search '[state] department of insurance storm claim').
Have an active leak right now? Call (561) 220-0117 for 24/7 emergency response.
Other Rock Island County cities we serve
See every city and the county claim context on the Rock Island County storm damage hub.
Talk to a vetted Moline pro today
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