Hail Damage Claims in Wisconsin

What We Focus On

Hail claims in Wisconsin are among the most aggressively underpaid property insurance claims in the state. After a significant hail event, insurance carriers often send adjusters who minimize damage, write repair scopes instead of replacement, or miss soft-metal strikes entirely. The result: a settlement that doesn't come close to covering what it actually costs to restore your property.

Alpine Adjusting specializes in hail damage documentation and negotiation. We inspect your roof, gutters, siding, HVAC, skylights, and all soft-metal surfaces. We photograph every impact point, measure hail size, pull storm data, and build a line-by-line scope that holds up under scrutiny. Then we put it in front of the carrier and fight for every dollar.

Common Underpayment Issues

• Denied roof replacement — Carriers frequently claim damage is cosmetic or write a repair allowance when the roof clearly requires full replacement. We document functional damage to the shingle mat and push for what's owed.
• Soft-metal misapplied or excluded — Gutters, downspouts, flashing, ridge caps, and HVAC fins are routinely missed or undervalued. These are covered losses, and we make sure they're in the scope.
• Artificially small repair allowances — Carrier estimates often use unit prices that don't reflect contractor reality. We build realistic estimates that hold up in the field.
• Missing code items — Wisconsin building codes may require ice-and-water shield upgrades, decking replacement, or other code-mandated improvements. Carriers regularly omit these from estimates.

Our Approach

1. Full Property Inspection We inspect every surface — roof, gutters, siding, windows, HVAC, and outbuildings. Nothing gets missed because we don't work from a ladder-only view.
2. Storm Data & Documentation File We pull verified hail size reports, radar data, and storm event records to tie your damage to the hail event — eliminating the carrier's ability to dispute causation.
3. Detailed Line-Item Estimate We prepare a scope of loss with current material and labor pricing, code line items, and full soft-metal coverage — not a surface-level write-up.
4. Carrier Negotiation We present our findings directly to the carrier's adjuster and supplement department. We respond to every denial and shortfall in writing, with supporting documentation.