Hassle-Free Insurance Claims Assistance for Roof & Storm Damage
Let Keeney Home Services Help You Navigate the Insurance Process and Get the Coverage You Deserve
Need help filing a roof insurance claim? Turn to the local experts at Keeney Home Services. We provide free storm damage inspections and support during every phase of your claim.
If you’re facing roof damage after a storm, navigating the insurance claim process can feel overwhelming, but you don’t have to do it alone. Keeney Home Services is here to advocate for you, not the insurance company.
We service everything from the attic up, including your roofing, gutters, and interior damage. Our expert roofing repairs target storm-related damage and meet Wisconsin codes and standards.
When to File an Insurance Claim
The most common reason to file an insurance claim for roof repair or replacement is after severe weather events like damaging winds, tornadoes, or hailstorms. Some policies also cover fallen debris or tree branches caused by heavy thunderstorms.
In general, you should file an insurance claim when there are visible signs of damage, such as missing shingles, leaks, dented gutters, granule loss, or water stains.
The most important factor when filing an insurance claim is being on time. You must schedule a timely roof inspection and report the damage before the expiration date of your warranty. If you delay filing a claim, it can be denied, make the claim process more complicated, or increase the costs of the repairs you need.
What’s Covered by Insurance?
Most homeowners’ insurance policies cover storm-related roof damage, including:
- Hail and wind damage
- Tree or debris impact
- Water intrusion and leaks
- Ice dams and related insulation damage
- Interior ceiling and wall damage due to leaks
You may be eligible for coverage of:
- Full roof replacement (not just partial repairs)
- Gutter replacements
- Water-damaged attic insulation
- Interior drywall or ceiling repairs
Coverage depends on your specific policy. A comprehensive roof damage insurance claim can help cover repairs, materials, and work. We’ll help you review your policy terms and determine the best next steps. Consult with our roofing experts for an inspection today.
Storm Damage and How Insurance Works
For more information about how insurance claims work, check out this episode of The Home Services Home Show Podcast. This is an in-depth discussion on homeowner insurance, the history of hail damage in the Midwest, recoverable depreciation, and the risks of contingency contracts.
Our Insurance Claims Process
Step 1: Free Roof Inspection
The first step is getting a trained professional to inspect your roof for storm-related damage. At Keeney Home Services, we offer free, no-obligation roof inspections. We document everything thoroughly so you don’t have to rely on a contractor chosen by your insurance company.
Hiring your own contractor ensures you receive an unbiased, third-party evaluation of your roof’s condition, which is crucial when filing a claim.
Step 2: Damage Documentation
We’ll take clear, high-quality photos and videos to show exactly what the storm damaged. This includes checking for:
- Hail and wind damage
- Missing shingles
- Dented gutters or vents
- Water intrusion points
We compile these findings into a detailed report to support your insurance claim.
Step 3: Claim Support
As your trusted roofing contractor, we can help interpret your insurance coverage and even file the claim on your behalf. You’ll need to sign an Assignment of Claim (AOC), which authorizes us to communicate directly with your insurance provider.
This allows us to handle paperwork, coordinate with the adjuster, and keep your project moving smoothly.
Step 4: Meet With Your Adjuster
Your insurance company will schedule an inspection with a claims adjuster to assess the roof damage and determine the cost of repairs or replacement. We can meet the insurance adjuster onsite to ensure nothing is missed. When we meet with the insurance adjuster, we’ll make sure:
- No damage is overlooked
- All repair needs are documented
- The proposed scope of work is accurate
If your claim is denied or underpaid, our presence and documentation can help strengthen your case during an appeal.
Step 5: Professional Repairs or Replacement
Once the claim is approved, our licensed and insured team gets to work. We’ll repair or replace your roof to manufacturer specifications and ensure all work meets local building codes.
We also assist with communications and follow-ups to help prevent delays or claim mismanagement. From start to finish, your claim stays on track.
Why Choose Keeney Home Services?
Our licensed, insured, and manufacturer-certified contractors go above and beyond in every roofing, gutter, or insulation project. Our top-tier services have made us the #1 roofing contractor in Northeast Wisconsin.
Experienced in Insurance Restoration: Hundreds of successful roof claims processed with top insurance providers.
Local, Certified & Trusted: Deep understanding of Wisconsin’s storm risks and building codes.
Full-Service Team: Roofing, gutter damage repair, and insulation services—all handled under one roof.
No-Pressure Approach: We offer honest guidance without high-pressure sales.
Common Insurance Claim Questions
After a storm, it can be tough to know whether your roof damage qualifies for an insurance claim. That’s where we come in. We’ll inspect your roof for free and help you decide based on visible evidence.
From the ground, you might see shingles that have fallen off, granules collecting near your downspouts, or dents on gutters and flashing. Inside your home, check for water stains on ceilings or in your attic, and be alert to any signs of leaks. Even small issues can lead to bigger problems later, so a professional inspection is the safest first step.
Not necessarily. Most insurers treat storm damage as “no-fault” since the event was out of your control.
That said, if a storm impacts an entire region, insurance companies sometimes raise premiums across the board, regardless of whether you filed a claim. Keep in mind that filing a claim adds to your insurance history, so if you don’t have any damage, it’s usually best not to file.
We’ll help you navigate your policy details and advocate for the best possible outcome. In some cases, your insurance may only cover a portion of the roof, especially if the damage is limited to one area or your policy is based on actual cash value (ACV) instead of replacement cost value (RCV).
If there’s a gap between coverage and costs, we also offer financing options to help you move forward with needed repairs.
Timelines can vary depending on your insurance provider, how quickly an adjuster is scheduled, and the extent of the damage. Minor repairs may be completed quickly, while full roof replacements can take longer, especially during peak storm seasons.
We work hard to keep the process moving and will stay in regular communication with both you and your insurance company to avoid unnecessary delays.
Yes—and we strongly recommend it. Insurance companies often suggest “preferred vendors,” but these contractors work under pre-agreed pricing and may not represent your best interests.
Choosing a local, independent contractor like Keeney Home Services gives you more control and ensures you’re working with a team that’s fully on your side.
Proudly Serving Northeast Wisconsin
Keeney Home Services offers full-service roof insurance claim assistance in Appleton, Green Bay, Manitowoc, Neenah, Oshkosh, and more!
If you don’t see your city listed on our service areas, call us! Our team will travel further for significant storm damage.
