Clarke & Cohen works with Illinois policyholders on every kind of property, from Chicago high-rises, two-flats, and bungalows to suburban homes and office parks, hospitals, schools, apartment communities, and the warehouses and plants that anchor the state's economy, supporting each claim from first notice through final payment.

Common Property Claims in Illinois

Claims look different across Illinois, but they're rarely simple anywhere. In Chicago, water losses dominate, with burst risers in high-rise buildings, sewer backups flooding basements in Evanston and Oak Park, and freeze damage every time a hard winter settles in. Chicagoland suburbs know severe weather firsthand: the 2021 tornado that tore through Naperville and Woodridge, hail across Schaumburg and Aurora, and the August 2020 derecho that damaged roofs across the region in a single morning. Downstate, Rockford, Peoria, Springfield, and Champaign face tornadoes, ice storms, and river flooding, while fire losses and business interruption claims affect owners in every corner of the state. Older housing stock from the city's classic bungalows to century-old downstate homes adds restoration and code questions that demand careful valuation.

Our consultants approach each claim the same way, working solely for the policyholder to verify coverage, document the full extent of the loss, calculate its complete value, and present a claim positioned for a fair and thorough recovery.