Insurance Claims
— Insurance Claims · Storm Damage
Public adjuster or roofing contractor?
After a storm, you'll hear both terms, and they do very different jobs. One negotiates your claim for a fee. The other documents the damage and does the work. Here's the honest difference, so you know who you actually need.
Free claim review
WI & IA · We respond in 2 hours
Start with a free roof inspection.
Before you decide who you need, get the damage documented. We inspect free, photograph everything, and give you an honest read on whether you have a claim worth filing. No obligation.
— The Difference
SEC 01 / 07
Two different jobs, often confused.
A public adjuster works on the insurance side of things. A roofing contractor works on the roof. Knowing which is which saves you time and money.
Public Adjuster
Roofing Contractor
— What A Contractor Can & Can't Do
SEC 02 / 07
We document and repair. We don't adjust your claim.
This is where a lot of homeowners get steered wrong. A good contractor is hugely valuable on a storm claim, up to a point. We want to be clear about where that line is, so you always know who's doing what.
— How We Help
SEC 03 / 07
The contractor side, done thoroughly.
Most storm claims go smoothly when the damage is documented well and the contractor and adjuster are on the same page. That's exactly what we do, and one of our customers put it simply: they paid their deductible and we worked with the insurance.
— Being Honest
SEC 04 / 07
When a public adjuster may be worth it.
We're a contractor, not an adjuster, and we won't pretend a public adjuster never has a place. For some situations, it's a reasonable call.
A denied claim
Your claim was denied and you believe the damage is clearly covered.
A large or complex loss
A major loss with many trades involved and a complicated scope.
A big gap in the offer
The insurer's number is far below the real cost to repair.
You're overwhelmed
You simply want a licensed pro handling the back-and-forth for you.
— Who This Is For
SEC 05 / 07
If a storm just hit your roof.
Most people land here right after a hailstorm, unsure of the first step. Wherever you are, the first move is the same: get it inspected.
Just had storm damage
Not sure yet whether it's worth a claim at all.
First-time claimant
Never filed before and want to do it right.
Denied or underpaid
Got a number that doesn't add up and need options.
Commercial or large loss
A bigger building with a more complex claim.
— Why Buckshot
SEC 06 / 07
Straight With You
The contractor that tells you the truth about your claim.
We've handled storm claims as a roofing contractor since 1979. We document thoroughly, work alongside your insurer, and do quality repairs with our own crews, and we tell you plainly what we can and can't do, so you can decide if you also need a public adjuster.
— What Homeowners Say
Reviews
— Home Base
Madison, WI · Centerville, IA
— Claims FAQ
FAQ
A public adjuster is licensed to represent you in the insurance claim and negotiate the settlement, usually for a fee or a percentage. A roofing contractor inspects and documents the damage, provides a repair estimate, and does the work. They’re two different jobs.
No. Buckshot is a licensed roofing contractor. We are not Iowa public adjusters and do not offer public adjusting services (Iowa Code §522C). We document damage and work alongside your insurer, but we don’t negotiate or settle your claim or take a percentage of it.
Often not. For straightforward hail or wind damage, a thorough contractor who documents the damage well and works with your adjuster is usually all most homeowners need. A public adjuster more often makes sense on denied, underpaid, or large complex claims.
Yes. We can provide our inspection findings and repair scope, and meet your adjuster on site to walk the damage together. What we can’t do is negotiate or settle the claim on your behalf, that’s the role of you and, if you choose, a licensed public adjuster.
No. Our roof and exterior inspection is free with no obligation. We’ll give you an honest read on whether you have damage worth filing a claim for before you decide anything.
Start with a fresh, documented inspection so you know exactly what the damage is. From there we’ll be honest about your options, including whether a licensed public adjuster may be worth bringing in for your situation.
— Related
More
Storm & claims help.
Free Inspection · Honest Answers · WI & IA
Not sure who you need? Start here.
Get a free, documented roof inspection and an honest read on your claim. We'll tell you exactly what we can do, and when a public adjuster might be worth a call.
Buckshot General Contracting, family-owned since 1979. Headquartered at 621 N Sherman Ave, Suite B5, Madison, WI 53704, with a field office in Centerville, IA. WI Lic. DC-080900045 · IL Lic. 104017198. GAF Master Elite, FORTIFIED Provider, and BBB A+ accredited. This page is general information, not legal or insurance advice. Buckshot General Contracting is a licensed roofing contractor; we are not Iowa public adjusters, nor do we offer public adjusting services (Iowa Code §522C). We do not negotiate or settle insurance claims on your behalf or charge a percentage of any settlement. Insurance coverage depends on your individual policy. Credentials current as of publication.