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— Hail & Storm Damage · Wisconsin & Iowa
A hailstorm or windstorm can damage your roof, siding, and gutters in under 15 minutes. We inspect at no charge, document every impact point for your adjuster, and coordinate directly with your insurer, so you don't manage the paperwork alone. Most homeowners pay only their deductible.
Wisconsin & Iowa · We respond in 2 hours
— What Storm Damage Does
SEC 01 / 07
Wisconsin and Iowa sit in a severe-weather corridor: hail, 60+ mph wind, violent summer storms. A professional inspection, not a DIY walk-around, is the only reliable way to assess what really happened.
Hail as small as one inch cracks shingle granules, exposing the fiberglass mat. The mat then deteriorates within two to three seasons, not immediately, which is why insurers require prompt documented inspections. Hail also dents soffit, fascia, and gutters.
When wind exceeds the shingle's rating, shingles lift, break their adhesive seal, or separate from the deck. Lifted shingles let rain drive under the underlayment, saturating decking. Wind claims are often denied without clear documentation.
Impact bruising creates soft spots invisible from the ground but clear on close inspection. Cracked flashing seals leak slowly. This is the costliest category, it compounds silently for months before a ceiling stain appears, by which point decking rot has started.
— How to Spot It
SEC 02 / 07
Policies typically allow 12 months from the storm to file. After that window, damage that should have been covered becomes your cost. Here's what to check after any significant weather event.
✓Run your hand inside the gutter. Heavy dark, sand-like deposits mean surface fracturing, which accelerates UV breakdown of the mat underneath.
✓Run your hand inside the gutter. Heavy dark, sand-like deposits mean surface fracturing, which accelerates UV breakdown of the mat underneath.
✓Circular impact marks on gutters, downspout elbows, aluminum fascia, and vents almost always mean the shingles above absorbed similar hits.
✓Lifted tab edges, cracked faces, or bare decking patches, visible with binoculars, all let water in during the next rainfall.
✓Dark drywall staining or wet attic insulation confirms active intrusion. By the time it's inside, damage has been compounding. Urgent.
✓Around chimneys, skylights, and vents, hail and thermal shock crack the caulk, sending water straight behind the flashing.
✓Cracked or dented soffit panels open ventilation gaps for moisture and pests, and compromise the attic ventilation your warranty depends on.
— One Storm, One Claim
SEC 03 / 07
The same storm that hit your roof hit your siding, gutters, and soffit. We document the full exterior in one inspection and put it in one adjuster scope, so you're covered for the whole event, not just what's caught on a 15-minute walkthrough.
Hail and wind damage assessed impact-by-impact. Repair when under 30% is damaged, full replacement when it's widespread.
Dented, cracked, or punctured siding panels documented and included in the same claim as the roof.
Hail-dented gutters, downspouts, fascia, and soffit, repaired and included so attic ventilation stays intact.
Tree through the roof or shingles gone? We tarp, stop the water, and document the emergency scope the same day.
— How We Handle Your Claim
SEC 04 / 07
This is where Buckshot works differently from most contractors. A step-by-step process that takes the insurance burden off you entirely.
01
Complete inspection of shingles, ridge, valleys, flashing, soffit, fascia, and gutters. Every impact photographed. Written summary before we leave.
02
A detailed damage report formatted for insurance review, photos with measurements and a line-item estimate in the adjuster's format.
03
Our project manager attends, walks the adjuster through each point, and advocates for a complete scope. The step most contractors skip.
04
Once approved, we schedule fast. Full replacements are often completed in a single day. We handle the claim paperwork, not you.
05
A project manager walks the finished work with you. You receive material, manufacturer warranty, and labor warranty documentation.
— Know Your Coverage
SEC 05 / 07
Two policy types decide your out-of-pocket cost. We review your policy summary during the inspection and explain what yours means before you file.
Replacement Cost Value
Covers the full replacement cost minus your deductible. For most storm 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.
Replacement Cost Value
Covers the full replacement cost minus your deductible. For most storm 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.
— Roof Open Right Now?
SEC 06 / 07
— 24/7 Emergency Storm Response
When a limb punctures your roof or wind strips shingles, interior protection cannot wait. We respond across Wisconsin and Iowa, tarp exposed decking, remove hazardous debris, and document the emergency scope for your carrier the same day where possible.
Immediate tarping · Damage documented
— Storm Work, In Their Words
SEC 07 / 07
— Home Base
Madison, WI · Centerville, IA
— Storm & Insurance FAQ
FAQ
Most standard policies cover storm damage to roofing, siding, and gutters from hail and wind. Coverage depends on policy type, RCV covers full replacement minus your deductible, while ACV factors in depreciation. We review your policy summary during the inspection and explain what your specific coverage means before you file.
Denials happen most often when documentation is incomplete or damage wasn’t clearly tied to a specific storm. Our inspection report and adjuster meeting process is built to prevent that with measurable, dated documentation. If a claim is denied after our involvement, we can help you understand re-inspection or supplemental claim options.
Wisconsin policies typically allow 12 months from the storm event. After that window closes, damage that should have been covered becomes your cost entirely. And unrepaired damage compounds, water under lifted shingles causes decking rot that insurers often won’t cover, because it’s then treated as maintenance neglect. Don’t wait.
For most covered storm claims on an RCV policy, yes, you pay your deductible and we bill the insurer for the approved scope. The key is a complete, accurate scope, which is why we attend the adjuster meeting and advocate for the full extent of the damage rather than leaving items off.
Most insurers don’t require multiple contractor estimates for storm claims. Your adjuster provides their own 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.
Yes. Hail and wind damage to adjacent components, siding, fascia, soffit, gutters, and downspouts, is typically covered under the same storm claim as the roof. We document all of it in one inspection and include it in the adjuster scope so you’re covered for the full event. See siding →
— Related Services & Locations
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Free Storm Inspection
Free inspection across Wisconsin and Iowa, no cost, no obligation. We document the damage, handle the claim from first call to final check, and most homeowners pay only their deductible. Family-owned since 1979, GAF Master Elite.
Buckshot General Contracting handles insurance claim documentation and coordination as your contractor. We are not Iowa public adjusters, nor do we offer public adjusting services. Iowa Code §522C. Insurance coverage, deductibles, and outcomes vary by policy, carrier, and the specific damage. WI Lic. DC-080900045 · GAF Master Elite Certified · Family-Owned Since 1979.
Crew available todayFreeInspection1 dayMost installsDeductible onlyOn covered claims4.9 / 5200+ Google reviews
The guides tell you what to check from the ground. We get on the ladder, photograph every facet, and tell you straight: a claim, a repair, or nothing to worry about.
Three fields. Twenty minutes on site. Zero cost, zero obligation.
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