Serving Madison, Dane County, & Southern WI
Storm & Hail Damage Repair and Insurance Claims
After a storm, two things matter: stopping any active damage right now, and getting a fair, fully documented insurance claim. The Exteriors Company does both — same-day emergency tarping, a free documented inspection, and we meet your adjuster on the roof to make sure nothing gets missed.
Serving Madison, Dane County, & Southern WI
Storm & Hail Damage Repair and Insurance Claims
After a storm, two things matter: stopping any active damage right now, and getting a fair, fully documented insurance claim. The Exteriors Company does both — same-day emergency tarping, a free documented inspection, and we meet your adjuster on the roof to make sure nothing gets missed.
Madison, Dane County, & Southern WI
Storm & Hail Damage Repair and Insurance Claims
After a storm, two things matter: stopping any active damage right now, and getting a fair, fully documented insurance claim. The Exteriors Company does both — same-day emergency tarping, a free documented inspection, and we meet your adjuster on the roof to make sure nothing gets missed.
Storm Damage Services in Madison, WI
Emergency response first, then a documented claim and a proper repair — across every exterior trade.
Emergency Tarping & Board-Up
Same-day across Dane County. We stop active water intrusion and secure the opening so damage doesn’t spread while the claim gets sorted.
Free Documented Inspection
A HAAG-certified inspection with photos, measurements, and a written report you can hand to your insurer. No charge, no obligation.
Insurance Claim Support
We document the damage, meet your adjuster on site, and file supplements when the initial scope misses damage. Routine on every storm job.
Roof Repair & Replacement
Hail bruising, wind-lifted shingles, and impact damage. Repair where it’s genuinely repairable, full replacement where it isn’t.
Window, Siding, & Gutter Damage
Storms rarely hit only the roof. We assess and repair hail-cracked siding, torn gutters, and broken windows under the same claim.
Fallen Tree & Impact Damage
Structural and cosmetic repair after a tree or limb comes down. We coordinate with tree services and get you weathertight fast.
Types of Storm Damage & How to Spot It
Most storm damage isn’t obvious from the ground. Here’s what each kind looks like and what it affects, so you know whether an inspection is worth it.
Important: Please don’t climb up to check yourself — most storm damage is only diagnosable up close and safely, and walking a wet or hail-hit roof is dangerous. That’s what our free inspection is for! Photograph anything you can see from the ground and note the storm date.
NEVER
Waive a deductible
If a contractor offers to “cover” or “eat” your deductible, walk away. It’s insurance fraud in Wisconsin, and it puts you on the hook alongside them. A legitimate storm claim means the insurer pays the approved scope and you pay your deductible — nothing more, nothing hidden. Storm chasers who knock after every hailstorm count on you not knowing that.
What To Do Right After A Storm
Manufacturer lead time is the long pole — installation itself is quick.
1. Stay safe
Don't climb up. Note the storm date and photograph anything visible from the ground.
2. Stop active damage
If water's coming in, call us for same-day tarping. Emergency mitigation is covered.
3. Get inspected
Free documented inspection tells you whether you have a real, covered claim before you file.
4. File the claim
Contact your insurer with the storm date and our documentation. We coach you through it.
5. Meet the adjuster
We attend on site so the scope reflects all the damage, then complete the repair.
1. In-Home Estimate
We measure every opening, check sills for rot, and talk through material and method.
2. Written Scope
Line-item quote naming brand, line, U-factor, and SHGC for every unit.
3. Order & Lead Time
Custom-built to your openings. Typically 3–6 weeks, shortest in late winter.
4. Installation
One opening at a time, so the house is never open. Most homes finish in 1–3 days.
5. Trim & Walkthrough
Interior and exterior trim, caulk, cleanup, and we register your manufacturer warranty.
Storm damage questions
Answered by Experts
Does my insurance cover storm damage to my roof in Wisconsin?
If the damage came from a covered peril like hail, wind, or a fallen tree, most Wisconsin homeowner policies cover roof repair or replacement, minus your deductible. Age-related wear and lack of maintenance are never covered. The keys are to document the damage before repairing, file within your policy’s window, and have someone who knows roofs meet the adjuster — the initial scope frequently misses damage, and that’s where claims fall short.
How long do I have to file a storm damage claim?
Most Wisconsin homeowner policies require filing within one year of the storm date, and some windows are shorter, so check your policy. Even if damage looks minor, get it inspected soon — small hail bruising and wind creasing worsen over the following winters and become harder to attribute to the original storm, which can complicate or sink a late claim.
Should I get a roof inspection before or after filing a claim?
Before. An independent inspection tells you whether you actually have covered damage worth filing on, so you don’t open a claim for something below your deductible or risk a denial that goes on your record. If there is real damage, thorough documentation strengthens the claim and helps at the adjuster meeting. We inspect free and tell you honestly whether it’s worth pursuing.
Do you handle the insurance company directly?
We document the damage, meet your adjuster on the roof to walk through it together, and handle supplement paperwork when the initial scope comes in short. We can’t negotiate on your behalf the way a licensed public adjuster can, but working the claim alongside your adjuster is a routine part of every storm job we take, and the on-site meeting is where most missed damage gets caught.
A contractor offered to waive my deductible. Is that okay?
No! Walk away! Waiving, covering, or “eating” a homeowner’s deductible is insurance fraud in Wisconsin, and it exposes you along with the contractor. On a legitimate covered claim, the insurer pays the approved scope and you pay your deductible. Any pitch built around making your deductible disappear is a red flag, and it’s a common storm-chaser tactic.
What does storm damage repair cost with insurance?
On a covered claim, your out-of-pocket is usually just your deductible. The insurer pays the approved scope, and we bill them directly on most jobs. Your total cost depends on your specific policy — replacement cost versus actual cash value makes a big difference — which we’ll help you understand before work starts.
Should I use the storm chaser who knocked on my door?
Be cautious. After big hail events, out-of-state crews canvass Dane County, push fast signatures, and disappear once the money’s collected — leaving you with a warranty from a company you can’t reach. A local contractor with a permanent Fitchburg address, a track record here, and a warranty you can actually collect on is a materially safer choice. Get more than one opinion before signing anything.
Built for Wisconsin · Backed by Expertise
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Get your free, no-obligation inspection today.