Wind & Hail Damage
Available in Florida, Illinois, and Wisconsin
Specialized claim support for wind and hail damage to residential and commercial properties across Florida, Illinois, and Wisconsin.
Understanding Wind & Hail Damage
Hail and high-wind events can cause extensive yet sometimes hidden damage to roofing systems, siding, HVAC units, and vehicles. Insurance adjusters may dismiss cosmetic damage that actually compromises weatherproofing. Our inspectors identify every impact point using industry-standard hail mapping and wind-speed data.
The Forensic Difference: Beyond the Surface
Hidden Wind & Hail Damage? We Force Fair Settlements with Forensic Precision.
Standard adjusters often overlook the micro-fractures and structural compromises that lead to denied roof claims. At Liberty Public Adjusting Group, we don't just "look" at your roof—we diagnose it. We identify the deep-tissue damage carriers dismiss as "cosmetic," providing the forensic evidence needed to overturn underpaid claims and secure your full settlement.
Common Damage We Document
- Asphalt shingle bruising and granule loss
- Metal roof denting and seal failure
- Cracked or shattered skylights
- Vinyl and aluminum siding dents
- Gutter and downspout deformation
- HVAC condenser fin damage
- Window screen and trim impact marks
- Vehicle damage from hail
Our Triple-Threat Performance Guarantee
Speed
48-Hour On-Site Forensic Inspection Guarantee
Recovery
70% Average Increase in Settlements
Efficiency
30-45 Day Settlement Window
Why Wind & Hail Claims Are Under-Paid
Insurance carriers use specific strategies to minimize payouts on wind & hail claims. Here's what to watch for:
- Carriers classify functional damage as "cosmetic" to avoid replacement costs
- Adjusters undercount hail impacts using inconsistent test-square methods
- Wind damage is attributed to "normal wear and tear" rather than storm events
- Scope is limited to visible damage, ignoring internal compromise of roofing underlayment
- Depreciation schedules reduce payouts below actual repair costs
How Liberty Can Help
We use industry-standard hail mapping, NOAA weather data, and manufacturer specifications to prove functional damage that carriers try to dismiss as cosmetic. Every impact point is photographed, measured, and documented to the standards that insurance companies cannot ignore. When carriers push back, we have the forensic evidence to prevail.
From Roofer to Advocate
Most public adjusters understand the law, but they don’t understand the anatomy of a roof. Our founder began his career as a professional roofer before transitioning into the insurance industry as an agent and, ultimately, a Public Adjuster. This unique trajectory gives Liberty an unmatched tactical edge.
- We know how roofs are built: We identify functional failures in underlayment and flashing that "desk adjusters" miss.
- We know how carriers think: We anticipate the loopholes and wear and tear excuses used to deny claims and neutralize them with forensic construction data.
Time-Sensitive
Hail damage can worsen with each subsequent rain event. Document your claim before leaks develop and secondary damage multiplies repair costs.
Rapid Funding & The $40,000 Strategy
We specialize in securing rapid funding by strategically managing wind and hail adjustments to stay under the $40,000 carrier cap whenever possible. This allows our clients to bypass the litigation loop—securing the funds needed for repairs in weeks, not years, without the need for prolonged legal battles.
State-Specific Information
Florida
Florida's sub-tropical climate means hail damage degrades rapidly. The 25 % damage rule may qualify your roof for full replacement. Fee cap: 10 % standard / 20 % supplemental.
Illinois
Illinois experiences frequent severe hailstorms, particularly in spring and summer. The state does not cap public adjuster fees, but Liberty maintains competitive, transparent pricing.
Wisconsin
Wisconsin's freeze-thaw cycles make hail-damaged roofs particularly vulnerable. Our adjusters document damage in the context of Wisconsin's climate to prove accelerated deterioration.
Our Wind & Hail Claim Process
Free Claim Review
Contact us for a no-cost evaluation of your wind & hail claim. We'll review your policy and assess your situation.
Property Inspection
Our team conducts a thorough on-site inspection using drones, thermal imaging, and forensic documentation tools.
Claim Preparation
We prepare a comprehensive claim package including detailed damage estimates, photographic evidence, and policy analysis.
Carrier Negotiation
We negotiate directly with the insurance company, presenting evidence that supports the maximum settlement under your policy.
Settlement & Recovery
We secure your settlement and ensure all covered damages are included. Our fee is only collected after you are paid.
Frequently Asked Questions
My insurance company denied my hail damage roof claim. What now?
Carrier adjusters routinely miss micro-fractures in shingles or hidden wind uplift. We work exclusively for you. Using Skydio X10 drone technology, we capture forensic aerial evidence and thermal imaging that they missed to prove the loss and secure your maximum indemnification.
How much does a public adjuster cost upfront?
Zero. We operate on a strict No Recovery, No Fee guarantee. We only get paid when we secure your fair settlement. Our interests are perfectly aligned with yours.
How fast can you inspect wind damage to my roof?
Time is your enemy with storm damage. We guarantee a 48-hour response time for an on-site, forensic-quality inspection to document the loss before secondary damage (like mold or interior leaks) occurs.
Will filing a storm damage claim cause my carrier to drop me?
No. Wind and hail are classified as "Acts of God" events. You cannot be singled out for a rate increase or cancellation due to a weather-related claim. Securing a fair settlement protects your investment without penalizing you for nature's actions.
Real Results for Real People
Our clients consistently recover significantly more than the insurance company's initial offer. Here's what they have to say.
"Damage We Never Would've Found"
Andrew was absolutely wonderful walking us with constant reassurance through a really scary process. Friendly, fearless and highly knowledgeable. I highly recommend him to anyone needing a go-between to an antagonistic insurance company.
Full Replacement Cost
Andrew and his team of professionals made our process simple and worry free for us. They explained anything we had questions about in terms we could understand. Honest and on time. Vary experienced with building practices and processes. I would recommend them to anyone having troubles with coverage.
They Handled Everything
Superb and honest company. Easy to work with and communication was fast and prompt. Andrew made the entire process a breeze. Would recommend!
Ready to Get Started?
Schedule a free estimate with us today!