Home / Insurance Claims

— Roof Claim Help · WI & IA

Roof insurance claim help in Wisconsin from a family‑owned roofer.

Buckshot inspects storm-damaged roofs free across Wisconsin and Iowa, photographing every hail hit for your insurance claim. The team is pre-approved in 5 carrier contractor programs and responds within 2 hours. With your consent, Buckshot meets your adjuster on the roof to show the documented damage.

✓Free inspection✓Written damage report✓5 carrier programs✓Works with any carrier

BGC

Free inspection & claim help

Wisconsin & Iowa · Response within 2 hours

5Carrier Programs$0Inspection Cost4.9★200+ Google Reviews

47yrsIn Wisconsin

— Why Roof Claims Get Underpaid

SEC 01 / 07

Insurers pay roof claims on documented damage.

A roof claim estimate covers the damage your adjuster can see, measure and tie to a storm date. Buckshot photographs and measures every slope before the adjuster visit, so the insurer reviews a complete record.

✓Undocumented storm damage

Hail bruises, lifted tabs and creased shingles that nobody photographed or measured can be left out of the adjuster’s estimate.

✓Missing scope line items

An adjuster’s first scope can miss drip edge, ice and water shield or code-required items that a full roof replacement needs.

✓Unclaimed recoverable depreciation

Replacement cost policies often hold back recoverable depreciation until the roof is finished and invoiced, and an unclaimed holdback goes unpaid.

— Six Steps With Buckshot

SEC 02 / 07

From free inspection to finished roof.

Roof insurance claim help from Buckshot runs in six steps, and you file the claim with your insurer at step three.

Free inspection and photos

Buckshot inspects the shingles, ridge, valleys, flashing, soffit, fascia and gutters at no charge, photographing and measuring every hail hit and wind-lifted shingle.

Damage report and estimate

You receive a written damage report with photos and measurements, plus Buckshot’s line-item estimate for the roof repair or replacement.

You file the claim

You file the claim with your insurer and share Buckshot’s damage report. Your insurer then schedules the adjuster and decides coverage.

Adjuster visit on the roof

With your consent, a Buckshot project manager meets the adjuster on the roof and shows each documented hit, measurement and damaged component.

Scope review and supplements

Buckshot checks the approved scope against the measured roof and, as the contractor doing the work, submits supplements for missed line items.

Roof work and closeout

Buckshot’s own crews finish most residential replacements in one day. A final walkthrough delivers warranty paperwork and the invoice you send your insurer.

— Who Does What

SEC 03 / 07

What a roofer does on an insurance claim.

Buckshot does the roofing side of the claim as your licensed contractor. The claim stays yours, because you file it and your insurer decides coverage.

Buckshot’s roofing side

Free inspection, photos and measurementsWritten damage report and line-item estimateMeeting your adjuster on site, with your consentChecking the approved scope against the measured roofSupplements for missed line itemsThe repair or replacement, often in one dayFinal walkthrough, warranty paperwork and invoice

Your three steps

Book the free inspection by phone or formFile the claim with your insurerPay your deductible on a covered claim

On a covered claim with a Replacement Cost Value policy, most homeowners pay only their deductible. Some policies set a separate wind and hail deductible, often as a percentage of dwelling coverage.

— Know Your Coverage

SEC 04 / 07

ACV or RCV decides what you pay.

What you pay on a roof claim depends on whether your policy pays Replacement Cost Value or Actual Cash Value. Your declarations page names your policy type, and the recoverable depreciation guide explains the gap between the two payouts.

Replacement Cost Value

✓How an RCV policy pays

An RCV policy pays the full cost to replace the roof, minus your deductible. Many RCV policies pay the depreciated value first and release the recoverable depreciation once the finished work is invoiced.

Actual Cash Value

✓How an ACV policy pays

An ACV policy pays the roof’s depreciated value, minus your deductible. You cover the depreciation gap to a new roof, because ACV policies usually treat that depreciation as non-recoverable.

— Denied or Underpaid?

SEC 05 / 07

After a roof claim denial, start with a re-inspection.

Roof claim denials and low payments often trace to damage that was never documented or clearly tied to a storm date. Buckshot re-inspects the roof free, and you share the new documentation with your insurer.

✓Free roof re-inspection

Buckshot re-inspects the roof at no charge and checks every slope against the reasons stated in your insurer’s denial letter.
Denied claim service →

✓Missed damage documented

New photos and measurements record damage the first adjuster inspection missed, such as hail bruises, creased tabs or dented roof vents.
What to do after denial →

✓Supplement or re-inspection

Buckshot submits supplements for missed line items as the contractor doing the work, or you ask your insurer for a re-inspection.
How supplements work →

— Customer Reviews

SEC 06 / 07

4.9 stars from 200+ Google reviews.

Read all Buckshot customer reviews →

    
 
 
       Posted on Google  
   
   Joy I 
 
 
 
 Trustindex verifies that the original source of the review is Google. When the big storms came through the Madison-area in April 2026, I immediately started looking for a reputable roofer—who also understood the importance of weather-resistant materials that can withstand hail and wind. It didn’t take me long to find Brad from BCG. We had damage that needed to be repaired before the next round of storms came through later that day and Brad had a crew out within hours. Our neighbors also had damage, and when their roofing company didn’t show up, Brad and his crew also took on fixing their damage on the spot.

The contracting process was done over email and we were able to clearly understand all of the options available to us. On the day of install, the crew was efficient and fast with their work. But also, mistakes can happen. And what matters to us is not that there’s perfection (because that’s not realistic), but how a contractor deals with a mistake. As they were taking down the tarps when they were finished with the roof, one of our lights next to the garage broke. Brad helped find a replacement online and had it shipped directly to our house! Such great service!

All in all, we were very happy with Brad and the service we received from him and BCG. We’ve since recommended their services to several of our friends and neighbors who also had storm damage. While I hope we won’t have to do that again for a long time, we would work with BCG again in a heartbeat!
  
 
      Posted on Google  
   
   Shelly Ziegler 
 
 
 
 Trustindex verifies that the original source of the review is Google. I am extremely pleased with the service Matt Walmer from Buckshot General Contracting (BGC) provided for me during the hailstorm damage in Madison in April. I had just switched insurance companies one year ago and was worried about how much they would cover. Matt assured me everything would be taken care of and had nothing to worry about. True to his word he immediately answered phone calls during off hours even when he was with daughter at volleyball and answering texts in seconds Matt met up with assessor and arrived 20 minutes early. During roof replacement he stopped in 3 times to check the progress and next day he came back to do a walk around to make sure the cleanup was to his standards. I have been so blessed to work with Matt at BGC as my contractor as everything went so smoothly. No problems with my insurance company and I was the first one on my block to get my roof done. I also was telling Matt about some of my neighbors having problems with their insurance and he was willing to look at their paperwork and giving them advice on how to deal with them. I can proudly say I announced to them how good Matt was and gave them his card. Thank you so much Matt for your excellent service and being a great representative for Buckshot General Contracting. These days days it’s hard to find a business that is 100% committed to making sure the customer is their #1 concern. Going to be doing more work and sticking with them as I know it will be top quality.
  
 
      Posted on Google  
   
   Amy Stephens 
 
 
 
 Trustindex verifies that the original source of the review is Google. We contacted BGC after storm damage and had them completely re-roof and re-side our house, garage, and shed. The entire process was incredibly smooth from start to finish. They were easy to work with, handled all the details, and made what could have been a stressful situation completely worry-free.
Our contact, Jayce Kirkland, was outstanding. His professionalism, communication, and courteous demeanor were truly a breath of fresh air. He took care of everything for us and made sure the project stayed on track every step of the way. We couldn’t be happier with the experience and have and would highly recommend BGC to anyone needing roofing or siding work!
  
 
      Posted on Google  
   
   Rob Anast 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very customer focused company.  Replaced my roof and siding after hail and wind damage 6 years ago.  Second hail and damage storm this year and they are my vendor of choice again.  In process now to replace my roof and siding.
  
 
      Posted on Google  
   
   paolo masone 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brad gave me a good price and the roof looks great!  The roof was replaced in one day.
  
 
      Posted on Google  
   
   Doug Cooper 
 
 
 
 Trustindex verifies that the original source of the review is Google. They did an excellent job! Fast, efficient and did a great job cleaning up.
  
 
      Posted on Google  
   
   christos karampetsos 
 
 
 
 Trustindex verifies that the original source of the review is Google. My family member needed a roof replacement after the recent storm in Madison , Chad came out to inspect the roof and went over the options with us. Full roof replacement and the new roof looks GREAT, they were done with in 2 days and left no mess behind which was very thankful for.

Thanks !!

— Home Base

Madison, WI · Centerville, IA

— Insurance Claim FAQ

SEC 07 / 07

Roof insurance claim questions.

Ready to start?

(608) 909-9109

Free inspection · Mon to Sat 8AM to 5PM

Q.01 — What roof insurance claim help does Buckshot offer?

Buckshot inspects free, documents the damage, prepares a line-item estimate and, with your consent, meets your adjuster on the roof. As your roofing contractor, Buckshot also submits supplements for missed line items and repairs or replaces the roof. You file the claim, and your insurer decides coverage.

Q.02 — Will I only pay my deductible?

Most homeowners pay only their deductible on a covered roof claim with a Replacement Cost Value policy. On an Actual Cash Value policy, you also cover the depreciation your insurer deducts.

Q.03 — What if my claim was denied or underpaid?

Start with a free roof re-inspection, since denials often trace to damage that was never documented or tied to a storm date. Buckshot documents the missed damage and, as your contractor, can submit a supplement for line items the first scope left out. Next steps after a denial →

Q.04 — Do I need multiple estimates before filing?

Most insurers base a storm roof claim on their own adjuster’s estimate, so multiple contractor bids are usually optional. Buckshot compares that adjuster’s estimate with its own line-item scope and the measured roof before any work begins.

Q.05 — How long do I have to file a roof claim?

Most policies set a deadline for reporting storm damage, and your policy names the exact window. Early documentation protects the roof claim, because unrepaired damage can turn into decking rot that insurers may treat as wear.

Q.06 — Is Buckshot a public adjuster?

Buckshot is your licensed roofing contractor, documenting the damage and doing the work while the claim stays yours. Buckshot is not an Iowa public adjuster and does not offer public adjusting services (Iowa Code §522C). Public adjuster vs contractor →

Q.07 — How do I file a roof insurance claim in Iowa?

File a roof insurance claim in Iowa by reporting the storm date and damage photos to your insurer. Buckshot inspects Iowa roofs free from its Centerville office and writes the damage report you share. Roof claim process →

— Related Services & Locations

Storm & Roofing

Storm & Hail Roof DamageHail & wind · what to look for→Roof ReplacementFull tear-off · GAF · 50-yr warranty→24/7 Emergency RepairsActive leaks · tarping · tree damage→GAF Master EliteTop 2% · enhanced warranties→Storm-Damaged SidingIncluded in the same claim→

Locations & Company

Madison WI RoofingDane County · (608) 909-9109→Milwaukee, WIMilwaukee County→Centerville, IowaAppanoose County→Customer Reviews4.9★ · 200+ verified reviews→Free EstimateNo cost, no obligation→

Free Inspection & Claim Help

Document the damage before you file.

Buckshot documents roof damage for insurance claims from its Madison, WI and Centerville, IA offices, with a free inspection and a response within 2 hours. Family-owned since 1979, Buckshot does the repair or replacement with its own GAF Master Elite crews.

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 §522C. Insurance coverage, deductibles, depreciation, and claim outcomes vary by policy, carrier, and the specific damage. WI Lic. DC-080900045 · GAF Master Elite Certified · Family-Owned Since 1979.