Most hail damage is not visible from the ground and does not leak right away. That is the whole problem: the roof looks fine, the claim window closes, and three years later the shingles fail with no coverage left. If a storm has moved through your neighborhood, get it documented now, whether or not you can see anything.
Four types of damage account for nearly every Madison claim we handle, and only one of them is obvious.
Bruising
The granules get knocked loose and the mat underneath is bruised. It does not leak and you cannot see it from the driveway. It shortens the roof’s life by years and it is covered if it came from a storm event. This is the damage homeowners miss.
Lifting and creasing
Shingles get lifted and set back down with the seal broken, or creased at the tab. The roof looks intact and the next storm takes those shingles off. Wind damage is claimable more often than homeowners assume.
Siding, gutters, screens
Hail dents aluminum and steel, cracks vinyl, and shreds screens. Homeowners look at the roof and stop. If the roof was approved, the same-elevation siding is worth inspecting before the claim closes.
After the fact
Once water is in the attic, you have a second and more expensive problem. Emergency tarping is about limiting that, and it is why we respond the same day.
Emergency response first, then a documented claim and a proper repair — across every exterior trade.
Same-day. Stops water entry before the claim process even begins.
We photograph and mark test squares the way an adjuster does, so the report holds up.
On the roof, with our documentation. This is where most claims are won or lost.
When the initial scope comes in short of what the repair actually requires, we file the supplement.
Roof, siding, gutters and windows under one claim and one crew.
If we do not think you have a claim, we will tell you. That is a shorter conversation than a denied one.
Your deductible is what you owe on an approved claim. Be cautious with any contractor who offers to waive, cover or rebate it — in Wisconsin that arrangement creates real legal exposure for the homeowner as well as the contractor.
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It depends on your policy, and many carriers set a window of roughly one year from the date of loss. Check your specific policy language, because the clock runs from the storm date, not from when you noticed the damage. That is why documenting early matters even when nothing is leaking.
Weather claims are typically treated differently from at-fault claims, but carrier practice varies and we cannot promise anything about your policy. Ask your agent directly. What we can tell you is that unrepaired storm damage can create a coverage problem later.
No. You choose who works on your home. Insurers can suggest a preferred vendor, but the decision is yours, and a preferred vendor’s obligation runs partly to the carrier that sends them work.
Denials are frequently about documentation rather than the damage itself. If we inspected and believe there is a legitimate claim, we can provide the photographic documentation for a reinspection request. We will also tell you honestly when we think a denial was correct.
Sometimes that is the right call, particularly if the damage is limited and below your deductible. We will give you both numbers so you can decide rather than steering you toward the claim.
Hail rarely hits only the roof. If your roof claim was approved, the siding, gutters, screens and even the windows on the same elevation are worth inspecting before the claim closes, because reopening it afterward is much harder.
Get your free, no-obligation inspection today.