Hail hit your roof? We get it covered.
Hail as small as one inch cracks shingle granules and exposes the mat underneath, damage that's invisible from the ground but compounds for years. We inspect free, document every impact for your adjuster, and handle the claim from first call to final check. Most homeowners pay only their deductible.
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Thanks, there. We received your hail inspection request and respond within 2 hours during business hours.
The damage you can't see is the expensive one.
Hailstones as small as one inch crack the granules on an asphalt shingle, exposing the fiberglass mat underneath. The granule layer is what protects the shingle from UV. Once it's fractured, here's what happens next:
- Granules fracture on impact, often invisible from the ground
- The exposed mat degrades under UV over the next two to three seasons
- Bruised spots soften, then crack, letting water reach the decking
- By the time a ceiling stain appears, decking rot has already started
The 30% rule decides repair vs replacement.
We assess every hail impact across field shingles, hip and ridge caps, valley flashing, and penetrations, then the extent of functional damage decides the right path. We recommend the smaller fix when it genuinely holds.
Targeted repair
- Fewer than 30% of shingles show functional damage
- Damage is isolated to one slope or section
- We document and repair the affected areas with color-matched materials
- Surrounding shingles and flashing checked so it doesn't spread
Full replacement
- Widespread impact, common after a large-cell storm crosses Madison or Milwaukee
- Functional damage across multiple slopes and facets
- The correct and insurance-covered solution at this point
- GAF Master Elite install qualifies for enhanced warranties
6 signs of hail damage, before you climb anything.
You can check most of these from the ground or your gutters. If you spot even one after a storm, get a documented inspection before the 12-month window closes.
Granules in your gutters
Run your hand inside the gutter. Heavy dark, sand-like deposits mean the shingle surface is fracturing, accelerating UV breakdown of the mat.
Denting on soft metals
Circular dents on gutters, downspout elbows, aluminum fascia, and vents almost always mean the shingles above took similar impacts.
Lifted, cracked, or missing shingles
Visible with binoculars: lifted tab edges, cracked faces, or bare decking patches that let water in during the next rain.
Water stains on ceilings
Dark drywall staining or wet attic insulation confirms active intrusion, the damage has already been compounding. Urgent.
Cracked caulking at flashing
Around chimneys, skylights, and vents, hail impact and thermal shock crack the caulk, running water behind the flashing.
Damaged or sagging soffit
Dented soffit panels open ventilation gaps, and compromise the attic ventilation your roof warranty depends on.
Not sure what you're seeing? A free inspection settles it, with written documentation either way. Book it →
From inspection to check. We carry the paperwork.
This is where Buckshot works differently. A step-by-step process that takes the insurance burden off you, so you're not navigating adjuster meetings and depreciation holdbacks alone.
Free inspection
Complete assessment of shingles, ridge, valleys, flashing, soffit, and gutters. Every impact photographed and bruising measured. Written summary before we leave.
Claim documentation
A detailed report formatted for insurance review, photos with measurements and a line-item estimate in the adjuster's format.
Adjuster meeting
Our project manager attends, walks the adjuster through each point, and advocates for a complete scope. The step most contractors skip.
Approved scope
Once approved we schedule fast. Full replacements are often done in a single day. We handle the claim paperwork, not you.
Final walkthrough
A project manager walks the finished work with you. You receive material, manufacturer, and labor warranty documentation.
What you actually pay depends on your policy.
Two policy types decide your out-of-pocket cost on a hail claim. We review your policy summary during the inspection and explain what yours means before you file.
RCV, the better case
Covers the full replacement cost minus your deductible. For most hail 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.
ACV, depreciation applies
Factors in depreciation based on the age of your roof, so the payout is reduced accordingly. We explain how your policy treats depreciation, and whether recoverable depreciation can be claimed after the work is done.
Most standard Wisconsin policies cover hail damage. The difference between a denied claim and a covered one is usually documentation, which is exactly what our inspection and adjuster process provides.
4.9 stars across 80 verified reviews.
Our roof was damaged in a hailstorm and they worked directly with our insurance company to get our roof replaced.
Great job explaining shingle defects and working along with the insurance adjuster to get my claim satisfied.
I paid my deductible and Buckshot worked with the insurance on the bill so I didn't have to. They handled everything.
Frequently asked questions.
Q.01How do I know if my roof has hail damage?+
Q.02Will I need a repair or a full replacement?+
Q.03Does insurance cover hail roof damage?+
Q.04My storm was months ago, is it too late?+
Q.05My neighbors are getting new roofs, should I check mine?+
Q.06What if my hail claim was denied?+
More from Buckshot.
Hail damage doesn't wait. Neither should you.
Free inspection across Wisconsin and Iowa, no cost, no obligation. We document every impact, 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.