The Midwest United States is a place that is riddled with seasonal changes that can be pleasant, and very terrible. There are tornadoes in the spring and summer that rip through the country, and there are freezing storms in the winter that make life unbearable. Illinois and the East and North ends of Illinois have the added bonus of being on Lake Michigan. That makes it imperative for everyone who lives here to have a solid roof that is well made and protected.
While the summer makes it nice have the cold air from the lake, the winter bring frigid temperatures that will crack the most solid of roofs and permeate those that have flaws in their designs. It is more than a bonus to have a well made and sheltered home during Chicago winters. It is a necessity to live. We have the technology to create a stable and satisfactory living environment for everyone who can handle it, but in order to accomplish that goal, you have to be willing to pay for that security. It is a small price to pay for the comfort of warmth in the winter and stability in the summer when others suffer for their lackadaisical nature.