The roofing insurance claim, step by step.
A storm claim feels like a maze the first time. It isn’t. There are six clear steps, and we walk them with you. We inspect free, document the damage the way adjusters expect, and meet your adjuster on site. On covered claims, you pay only your deductible.
·GAF Master Elite·Licensed in 24 statesElite
Start your claim the right way
The claim process, demystified.
Six steps from first call to finished roof. Tap through each one and you’ll see who does what and how long it takes.
We inspect your roof, siding and gutters and tell you honestly whether it’s worth filing, at no cost and no obligation.
All you do is book the inspection.
We photograph every hit and write it up in the scope format adjusters expect, so nothing valid gets left off the claim.
You contact your insurer to open the claim, because only the policyholder can. We tell you exactly what to say and what to have ready.
We guide you, but we’re a licensed contractor, not a public adjuster, so we don’t file or negotiate on your behalf.
We meet your adjuster on site and walk them through the documented damage, so the approved scope reflects the full storm impact.
Your carrier issues its decision and scope of loss. We review it against our inspection to make sure nothing valid was missed.
Coverage and the final amount are determined by your insurer and policy, not by Buckshot.
Our own crews complete the work and handle the final paperwork. On covered claims, you pay only your deductible.
The words on your claim, decoded.
Insurance letters are full of jargon. Here are the terms that actually decide what you get.
The set amount you pay out of pocket on a covered claim. Everything approved above it is your carrier’s share, and it’s typically your only cost.
What your roof is worth today, after age and wear are subtracted. On many policies this is the first check you receive.
What it costs to replace the roof new. On RCV policies the rest is released once the work is completed.
The value subtracted for age and wear. On RCV policies it’s often recoverable, meaning it’s paid back after the roof is finished.
The itemized list of what your carrier approved. We check it line-by-line against our inspection so nothing valid is missing.
A request to add missed or code-required items to the approved scope when the tear-off reveals something the adjuster couldn’t see.
You pay your deductible. We handle the rest.
Who does what, clearly.
You stay in control of your claim. We take the roofing off your plate. Here’s the split.
You keep control
- Contact your insurer and file the claim
- Choose your own contractor, which is you, deciding
- Pay your deductible on a covered claim
- Have your policy details and deductible ready
We do the roofing
- Inspect free and document the damage for the adjuster
- Meet your adjuster on site and present the evidence
- Review the approved scope against our inspection
- Complete the roof and handle the final paperwork
You keep control of the claim at every step. We never file, adjust or negotiate on your behalf, because we’re a licensed contractor, not a public adjuster.
How long does a roof claim take?
We respond within about two hours and get the inspection and documentation done within days of your call.
The adjuster visit and the approval decision run on your carrier’s schedule, and we meet the adjuster to keep it moving.
Once the claim is approved, we schedule the repair and pull materials from regional supply for a fast turnaround.
Your claim, handled by people who stay.
Storm season fills the neighborhood with out-of-town crews that collect and vanish. We’ve handled claims here since 1979, work with any carrier, run every job with our own crews, and stand behind the work. GAF Master Elite, FORTIFIED-trained, BBB A+, licensed in 24 states.
Four things that protect your claim.
Small moves at the start make the difference between a smooth approval and a denial.
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Insurance claims, answered.
Do I have a valid roof insurance claim?
Often you can’t tell from the ground, so a free inspection is how you find out. Even minor-looking hail or wind damage can be a valid claim because it worsens over time. We inspect, document with photos, and tell you honestly whether it’s worth filing.
Do you file the insurance claim for me?
No. Only the policyholder can open a claim, so you contact your insurer to file. We guide you on exactly what to say and what to have ready, and we meet your adjuster on site. We’re a licensed contractor, not a public adjuster, and we don’t file or negotiate settlements on your behalf.
What will an insurance roof claim cost me?
On a covered claim, your deductible is typically your only out-of-pocket cost. The rest of the approved amount is between you and your carrier. The final amount depends on your policy, deductible, and the documented cause and extent of the damage.
Do you work with my insurance company?
Yes, any carrier. We meet your adjuster on site, present the documented damage, and review the approved scope against our inspection so nothing valid is left off. Coverage is determined by your insurer and policy, not by Buckshot.
How long does a roof insurance claim take?
The inspection and documentation usually happen within days, and we respond within about two hours. The adjuster visit and approval are carrier-dependent, so days to a few weeks. Repairs are scheduled once the claim is approved.
Insurance claim help across southern Wisconsin.
Two offices - our Madison, WI headquarters and our Brodhead, WI office - serving homeowners across Dane & Milwaukee counties and into southern Iowa. Check your area →
Madison, WI Office
621 N Sherman Ave, Suite B5
Madison, WI 53704
Mon-Sat 8AM-5PM · 24/7 Storm Line
Brodhead, WI Office
17312 W Hafeman Rd
Brodhead, WI 53520
Mon-Sat 8AM-5PM · 24/7 Storm Line
Start your claim the right way.
It starts with a free, no-obligation inspection, because documented damage is what makes a claim stick. We handle the roof and meet your adjuster; you keep control of the claim. On covered claims you pay only your deductible. Own crews, here since 1979.
- $0 INSPECTION
- ANY CARRIER
- WE MEET YOUR ADJUSTER
- PAY ONLY YOUR DEDUCTIBLE
Not sure where to start?
We’ll walk you through it.
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