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. If a storm has moved through your Madison neighborhood, get it documented now, whether or not you can see anything. We handle storm damage restoration in Dane County from the Isthmus to the west side.
Local conditions
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. It shortens the roof’s life by years, often to the point of an early Madison roof replacement, and it is covered if it came from a storm event.
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, and if you’re replacing it, consider storm-resistant siding options.
After the fact
Once water is in the attic, you have a second and more expensive problem. Emergency roof tarping in Madison 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, and where our insurance restoration team earns its keep.
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, with impact-resistant roof upgrades where they make sense.
If we do not think you have a claim, we will tell you. That is a shorter conversation than a denied one.
See everything we do as an exterior contractor in Madison!
Details that matter
The order matters, and the most common mistake is repairing before documenting. Keep our post-storm roof and siding checklist handy.
| 1. Document everything | Photos, date |
|---|---|
| 2. Call for tarping if leaking | Same day |
| 3. Get an inspection | Before you file |
| 4. File the claim | You file, we support |
| 5. Do not repair first | It ruins the claim |
| 6. You choose the contractor | Not your insurer |
Pricing
The honest version, because this is where homeowners get surprised.
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.
| Item | Notes | Your Cost |
|---|---|---|
| Inspection and documentation | Always | FREE |
| Emergency tarping | Usually claimable | $0–$800 |
| Approved roof replacement | You pay | Your deductible |
| Supplement work | Insurer pays if approved | $0 to you |
Your local exterior experts
Storm damage questions
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. Watch for high-pressure storm sales tactics too.
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. Here is how to navigate roof damage and insurance from start to finish.
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.
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