FAMILY-OWNED ยท SINCE 1979 MADISON, WI ยท CENTERVILLE, IA LIC. DC-080900045
24/7 STORM LINE (608) 909-9109
BGC
Roofing Insurance Claims ยท WI & IA

We handle the claim. You pay your deductible.

The roof damage is stressful enough. The insurance paperwork shouldn't be. We inspect free, document every impact in the format adjusters use, attend the adjuster meeting in person, and coordinate the claim from first call to final check, so you don't navigate scope disputes and depreciation holdbacks alone.

Policies allow about 12 months from the storm to file. Don't wait.
We attend the adjuster meeting5 carrier programsPay only your deductibleFree inspection
Free inspection & claim help
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GAF Master EliteLicensedInsured
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5
Carrier Programs
$0
Inspection Cost
4.9
80 Google Reviews
47yrs
In Wisconsin
Why Claims Get UnderpaidSEC 01 / 07

The claim outcome is decided by documentation.

Most homeowners file alone, accept the adjuster's first number, and never know what was missed. The difference between a denied or underpaid claim and a full one is almost always how well the damage was documented and advocated for.

Damage gets missed

Hail bruising and lifted seals are invisible from the ground. If they aren't found and photographed, they aren't in the claim, and you pay for them later.

Wind claims get denied

Wind damage is frequently denied without clear documentation. We bring photos and a written scope report to every adjuster meeting so it can't be waved off.

Depreciation gets kept

On ACV policies, depreciation holdbacks reduce your payout. We document the full scope so recoverable depreciation isn't quietly left on the table.

How We Handle Your ClaimSEC 02 / 07

From first call to final check.

A step-by-step process built to remove the paperwork burden from you entirely. This is where Buckshot works differently from most contractors.

Free inspection & full assessment

We inspect at no charge, field shingles, ridge, valleys, flashing, soffit, fascia, and gutters, photograph every impact point, and measure hail bruising. You get a written summary of findings before we leave.

Insurance claim documentation

We prepare a detailed damage report formatted for insurance review: photos with measurements, material specifications, and a line-item estimate in the format adjusters use.

Great job explaining shingle defects and working along with the insurance adjuster to get my claim satisfied.Jeff R. ยท Wisconsin ยท Google

Adjuster meeting We're there

When your insurer sends an adjuster, our project manager attends in person, walks them through each documented point, answers technical questions, and advocates for a complete scope. This is the step most contractors skip, and the one that most determines your outcome.

Approved scope, work begins

Once approved, we schedule fast. Full residential replacements are typically completed in a single day. The claim paperwork is handled by our team, not passed back to you.

Our roof was damaged in a hailstorm and they worked directly with our insurance company to get our roof replaced.Lori DeMario ยท Wisconsin ยท Google

Final walkthrough & warranty

A project manager walks the completed work with you. You receive documentation of materials used, the manufacturer warranty, and our labor warranty.

The help they provided with the paperwork and insurance company was amazing and much appreciated.Deanna Allen ยท Wisconsin ยท Google

Who Does WhatSEC 03 / 07

Your job is short. Ours is the rest.

Homeowners are often surprised how little they have to do once we're involved. Here's the honest division of labor.

Buckshot handles

The whole insurance side

  • Free inspection and full damage documentation
  • The claim report in adjuster format, photos and measurements
  • Attending the adjuster meeting and advocating the scope
  • Reconciling the adjuster's estimate for completeness
  • Supplements for anything missed in the first scope
  • The repair or replacement, often in one day
  • Final walkthrough and warranty paperwork
You handle

Three short things

  • Call us or submit the form to book the free inspection
  • File the claim with your insurer (we tell you exactly what to say)
  • Pay your deductible, on most covered claims, that's your only out-of-pocket cost
On a Replacement Cost Value policy, your deductible is typically all you pay; we bill the insurer for the approved scope. We confirm what your specific policy means before you file.
Know Your CoverageSEC 04 / 07

ACV or RCV decides what you pay.

Your policy type is the single biggest factor in your out-of-pocket cost. We read your policy summary with you during the inspection and explain what it means in plain terms.

Replacement Cost Value

RCV, the better case

Covers the full replacement cost minus your deductible. For most covered claims this means you pay only your deductible and we bill the insurer for the rest. RCV is what makes "a new roof for your deductible" possible.

Actual Cash Value

ACV, depreciation applies

Factors in depreciation based on the age of your roof, so the initial payout is reduced. We document the full scope so any recoverable depreciation can be claimed back after the work is completed, rather than written off.

Pre-approved through 5 carrier programs, so we already know how your insurer documents, depreciates, and approves, which keeps your claim moving.
ProgramContractor Connection
ProgramNexus
ProgramInnovation
ProgramSedgwick
ProgramMSP
Denied or Underpaid?SEC 05 / 07

A denial isn't always the end.

Denials and lowball offers usually trace back to weak documentation or damage that wasn't clearly tied to a storm event. If you've already been denied or paid too little, a documented re-inspection can change the outcome.

We re-inspect

We document the damage properly, measured, photographed, dated, the way it should have been the first time, and tie it to the storm event.

We file supplements

If the approved scope left items out, we submit a supplemental claim with the documentation to support the additional work.

We help you understand options

We walk you through re-inspection and supplemental options so you know where you stand, no pressure, just a clear picture.

Claims Handled, In Their WordsSEC 06 / 07

4.9 stars across 80 verified reviews.

Read all Buckshot customer reviews →

★★★★★

I paid my deductible and Buckshot worked with the insurance on the bill so I didn't have to. They handled everything and the work was excellent.

P.S. ยท Wisconsin ยท Google
★★★★★

Ryan walked us through the whole process. He dealt with the insurance company, showed up for a free quote, and the job was scheduled quickly after.

Victoria Johnson ยท Wisconsin ยท Google
★★★★★

The help they provided with the paperwork and insurance company was amazing and much appreciated.

Deanna Allen ยท Wisconsin ยท Google
Insurance Claim FAQSEC 07 / 07

Frequently asked questions.

Ready to start?
Free inspection ยท Mon to Sat 8AM to 5PM
Q.01Do you handle the whole insurance claim for me?+
Yes. We inspect and document the damage, prepare the claim report in the format adjusters use, attend the adjuster meeting in person, reconcile the approved scope, file supplements for anything missed, and complete the work. Your part is short: book the inspection, file the claim with your insurer, and pay your deductible.
Q.02Will I only pay my deductible?+
On most covered claims with a Replacement Cost Value policy, yes, you pay your deductible and we bill the insurer for the approved scope. On an Actual Cash Value policy, depreciation applies and we document the full scope so recoverable depreciation can be claimed after the work. We confirm your specific policy before you file.
Q.03What if my claim was denied or underpaid?+
A denial often traces to incomplete documentation or damage not clearly tied to a storm. We re-inspect, document properly, and can file a supplemental claim for items the first scope missed. We'll walk you through your re-inspection and supplemental options so you understand where you stand. See how →
Q.04Do I need multiple estimates before filing?+
Most insurers don't require multiple contractor estimates for storm claims. Your adjuster provides their estimate and your contractor reconciles that scope during the claim. We review the adjuster's estimate and make sure the approved scope is complete before any work begins.
Q.05How long do I have to file a claim?+
Wisconsin policies typically allow 12 months from the storm event. After that window, damage that should have been covered becomes your cost. Unrepaired damage also compounds into decking rot that insurers often won't cover, since it's then treated as maintenance neglect. The sooner you have it documented, the better.
Q.06Are you a public adjuster?+
No. We're your roofing contractor. We document damage, provide a professional scope and estimate, and coordinate with your insurer as the contractor doing the work. We are not Iowa public adjusters and don't offer public adjusting services (Iowa Code ยง522C). For homeowners, this is exactly the help that's needed, an expert who knows what the damage is and advocates for a complete, accurate scope.
Related Services & LocationsMore

More from Buckshot.

Free Inspection & Claim Help

Don't file alone. Let us handle it.

Free inspection, full documentation, and we attend the adjuster meeting and coordinate the claim from first call to final check. Most homeowners pay only their deductible. Family-owned since 1979, GAF Master Elite, across Wisconsin and Iowa.

Buckshot General Contracting documents storm damage and coordinates with your insurer as your roofing contractor. We are not Iowa public adjusters, nor do we offer public adjusting services. Iowa Code ยง522C. Insurance coverage, deductibles, depreciation, and claim outcomes vary by policy, carrier, and the specific damage. WI Lic. DC-080900045 ยท GAF Master Elite Certified ยท Family-Owned Since 1979.

Claim Help?(608) 909-9109
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