STORM DAMAGE & INSURANCE

Usually you cannot tell from the ground, which is the whole problem. Hail shows as scattered bruising with granule loss, wind as creased or lifted tabs along one exposure. Both are visible on the roof and easy to miss from the driveway.

Yes. In Wisconsin the carrier may suggest a preferred vendor, but the choice of contractor is yours. What matters is that the contractor works to the approved scope and can document anything missing from it.

Date of the event, photographs from the ground taken that day, any emergency tarping invoices, and the adjuster report once issued. Claims fail on documentation far more often than on coverage, and the day-of photographs are the part nobody has later.

Weather claims are generally treated differently from at-fault claims in Wisconsin, though carriers vary and repeated claims can affect rates. Ask your agent directly, and we will give you the damage figures so the decision is made on real numbers.

Yes, and soon. Hail and wind arrive by block rather than by house. It is common for a whole street to qualify while only the homeowners who had someone look actually file.

Be cautious. Storm-chasing crews follow hail events, take deposits and leave the state. Ask where their office is, how long they have worked in Wisconsin, and who honours the warranty in five years.