Roof Insurance Claim Help in Hudson, WI
Hudson Roofing Pros helps Hudson, WI homeowners with roof insurance claims the way Wisconsin law allows: with your consent, we discuss the damage with your adjuster and give and submit our repair estimate to your insurer, while you stay in charge of the claim itself.
Available now · Open 24 hours
- Licensed
- Insured
- Since 2016
- Certified Technicians
- 10-Year Workmanship Warranty
- GAF Certified Contractor
How We Help With Your Hudson Roof Insurance Claim
We help with your Hudson roof insurance claim by inspecting the roof, photographing the damage, and, with your consent, discussing that damage with your insurance adjuster and giving and submitting our estimate to your insurer. You file the claim and settle it with your insurer; we supply the roofer's side of the facts.
What we document depends on what hit the roof. When it was hail, our hail damage roof repair work records bruised and cracked shingles slope by slope; when it was wind or a falling limb, our storm damage roof repair work covers torn-off shingles and broken decking.
Claim help is part of our wider roof repair service, and the same team that inspects the roof for your claim does the repair and the cleanup.
Your claim
You stay in charge
You file and settle the claim with your insurer; we discuss the damage and submit our estimate when you ask us to.
What a Contractor May and May Not Do on a Wisconsin Roof Claim
On a Wisconsin roof insurance claim, a contractor may not represent you or negotiate with your insurer on your behalf, but with your express consent may discuss the damage with you or the insurer's representative, give an estimate, submit it to the insurer, and discuss repair options. Those rules apply to every contractor who repairs or replaces a roof on a one- or two-family home, including us.
The law also takes the deductible off the table. A contractor may not promise to pay or rebate any part of your deductible to win the job, whether as a discount, allowance, gift, bonus, coupon, credit or referral fee, and may not advertise such an offer.
A contractor may not
- Represent you on your insurance claim
- Negotiate with your insurer on your behalf, or advertise that they will
- Promise to pay or rebate any part of your deductible
- Offer discounts, gifts, credits or referral fees tied to your deductible
- Have you sign a contract without first giving you the insurance-claim statement
With your consent, we
- Discuss the damage with you and with your insurer's adjuster
- Give you a written estimate of the repair
- Submit that estimate to your insurer
- Discuss repair options with you or the adjuster
A contractor who breaks these rules faces a forfeiture of $500 to $1,000 for each violation.
Want us to talk with your adjuster about your Hudson roof?
Call us or send the form, and with your consent we'll discuss the damage with your adjuster and submit our estimate.
How a Roof Insurance Claim Works With Hudson Roofing Pros
A roof insurance claim with Hudson Roofing Pros runs from photographing the damage to the finished repair, with you making every decision on the claim. Erin Olson keeps the scheduling and paperwork simple along the way.
- 1
Photograph and Protect
Take photos of the damage before any cleanup, and keep damaged belongings until your adjuster agrees they can go. If water is coming in, call us for emergency repair first.
- 2
Call Your Insurer
You open the claim with your insurance company and get a claim number.
- 3
We Inspect the Roof
We go over every slope, the flashing, vents and gutters, and photograph what we find.
- 4
Sign the Claim Statement
Before you sign a contract with us, we give you the written statement Wisconsin requires, asking whether the work is tied to an insurance claim and explaining your right to cancel.
- 5
Meet the Adjuster
With your consent, we discuss the damage with your adjuster on the roof and submit our estimate to your insurer.
- 6
Repair and Paperwork
Once you decide to go ahead, we make the repair, give you lien waivers for your payments, and leave the job site clean.
What Your Insurance Pays for on a Hudson Roof
Your insurance pays to repair or replace the part of your Hudson roof damaged by a covered loss, such as wind or hail, minus your deductible, and it does not pay to replace a roof that is simply worn out. With wind damage, the insurer must replace the part of the roof the wind damaged but is not required to replace parts that were not damaged.
How much you receive depends on your policy. Replacement cost coverage pays to repair the damage with materials of similar kind and quality without subtracting for age, while actual cash value subtracts depreciation. To qualify for full replacement cost, the house usually has to be insured at 80% to 90% of what it would cost to rebuild.
A worn roof can also affect your coverage before any storm. An insurer may refuse to renew a policy because of a home's condition, including a worn-out roof, though some give six months to a year to make repairs.
Not sure whether your Hudson roof damage is covered?
We'll inspect the roof and photograph what we find, so you can talk to your insurer with the facts in hand.
You Can Cancel If Your Roof Claim Is Denied
If your insurer denies your roof claim in whole or in part, you can cancel a roofing contract that was to be paid by insurance until midnight of the third business day after you receive the insurer's written denial. Cancel in writing, delivered in person or by first-class mail postmarked by that deadline; the cancellation form attached to your contract or any written notice works.
The contractor must then return all your payments and deposits within 10 days. The one exception is emergency work you agreed in writing was needed to prevent damage, such as covering an open roof, for which the contractor may keep a reasonable amount; no other cancellation fee can be charged.
That right comes on top of the separate three-business-day right to cancel a contract signed at your door.
Claim denied?
Three business days to cancel
You can cancel an insurance-paid roofing contract until midnight of the third business day after a written denial.
Red Flags on a Roof Insurance Claim in Hudson
The red flags on a roof insurance claim in Hudson are a contractor who offers to cover your deductible, says they will handle or negotiate the claim for you, or skips the written paperwork Wisconsin requires. Each of these is a reason to stop and check who you are dealing with.
- Offering to pay, waive or rebate your deductible
- Saying they will negotiate with your insurer or act as your claim representative
- No written statement asking whether the job is tied to an insurance claim
- No cancellation form attached to the contract
- An estimate given by phone without anyone looking at the roof
- Pressure to throw out damaged property before the adjuster sees it
- No lien waivers for the payments you make
Roof Insurance Claim Help FAQs
Can You Talk to My Insurance Adjuster for Me?
Yes, with your express consent we can discuss the damage with your adjuster and submit our estimate to your insurer. Wisconsin law does not let any contractor negotiate the claim or represent you, so the settlement stays between you and your insurer.
Can You Pay or Waive My Deductible?
No, Wisconsin law forbids any contractor from paying, rebating or discounting your deductible to win a roofing job. Your deductible is yours to pay.
What Happens If My Roof Claim Is Denied?
If your roof claim is denied in whole or in part, you can cancel an insurance-paid roofing contract until midnight of the third business day after you receive the written denial. The contractor must refund your payments within 10 days, apart from the reasonable value of emergency work you agreed to in writing.
Will Insurance Replace My Whole Roof?
Insurance replaces the part of your roof damaged by a covered loss, not parts that were not damaged. When hail or wind has damaged every slope, that can mean the whole roof.
Who Do I Call With a Question About My Insurer or a Contractor?
Call the Wisconsin Office of the Commissioner of Insurance about your insurer, and the state consumer protection hotline about a contractor.
Get a roof damage estimate
Tell us when the damage happened and whether you've opened a claim, and we'll inspect the roof. Send the form or call us any time.
Call now (651) 691-2168 Open 24 hours, 7 days a week