The Adjustment Firm | Storm Damage Claims Advocates — Madison, WI
⚠️ Madison-Area Roofers: The Average Carrier Underpays Storm Claims By $14,200 — Are Your Clients Affected?
Madison, Wisconsin Roofing Contractors

Your Clients Are
Getting Shorted.
We Fix That.

$14K
Average settlement gap per storm claim in Dane County Insurance carriers consistently underpay. Most homeowners — and their contractors — never know the difference.

When an insurance carrier low-balls a storm claim, you feel it too — in cut scopes, deferred line items, and jobs you can't do right. The Adjustment Firm is a licensed public adjuster that fights to recover every dollar your client is owed, so you can build the full job, the right way.

Get a Free Claim Review →
↓   See how much your clients may be leaving behind
Free Consultation

Get Your Free
Claims Review

Tell us about your client's storm damage. We'll assess whether they have a viable supplemental claim — free, fast, no obligation.

$14K Avg. Settlement Gap
Dane County
3.2× Avg. Settlement Increase
vs. Initial Offer
94% Claims Resolved
in Homeowner's Favor
40+ Hours Saved Per
Claim for Contractors
Sound Familiar?

These are the situations Madison-area roofing contractors run into every storm season. Every one of them costs you money, time, and sleep.

📉

Carrier Scope Is Way Under Actual Cost

You walk the job, write your estimate, and the carrier's Xactimate comes back $8,000 short. You either eat the difference, cut the scope, or spend weeks arguing with an adjuster.

→ We negotiate the full scope before you ever pick up a nail gun.

Supplement Requests Go Nowhere

You submit a supplement for code upgrades, ice & water, or ventilation — and it disappears into a black hole. Weeks pass. Your crew is waiting. The homeowner is frustrated.

→ We own the supplement process from submission to approval.
😤

Homeowner Doesn't Understand the Gap

You're trying to explain why the carrier's check won't cover the real job cost. The homeowner thinks you're padding the estimate. The relationship gets awkward fast.

→ We educate the homeowner and fight in their corner — not yours.
📞

Too Many Jobs, Not Enough Hours

Storm season hits and suddenly you're managing five active claims, three open permits, and two angry adjusters — on top of actually running your roofing business.

→ Hand the claims work to us. Get back on the roof.
From Damage
to Full Settlement

We handle every step of the claims process so you don't have to. Here's exactly what happens when you bring a claim to The Adjustment Firm.

01

You Refer the Claim

You identify a client with a storm damage claim that needs advocacy — whether it's a fresh loss or a claim that's already been lowballed. You make the introduction and we take it from there.

02

We Document Everything

Our team conducts a thorough inspection — roofing, siding, gutters, windows, HVAC and more — and builds a complete damage package the carrier can't dismiss. Photos, measurements, material specs, all of it.

03

We Audit & Challenge the Scope

We go line by line through the carrier's Xactimate estimate against real Madison-area labor and material costs. Every missed item, every low unit price, every overlooked code upgrade gets challenged with documentation.

04

We Negotiate the Settlement

Our licensed adjusters handle all carrier communication, supplement submissions, and negotiations directly. We leverage Wisconsin policy law and documented evidence to maximize the recovery.

05

You Build the Full Job

The settlement reflects the real cost of the restoration. Your scope is fully funded. You show up, do the work right, and get paid what the job actually costs. That's the outcome every time.

🏛️WI Licensed Public Adjusters
🛡️Fully Bonded & Insured
📍Serving Dane County & Beyond
⏱️24-Hour Response Guarantee
💰No Win, No Fee
Why Carriers
Always Start Low

Insurance carriers are for-profit companies. Their in-house adjusters work for the carrier — not the policyholder. Understanding this changes everything about how a claim should be handled.

Xactimate: The Carrier's Tool

Most claims are written using Xactimate software set to carrier-preferred pricing — which is routinely below actual Madison-area labor and material costs. Without a professional advocate reviewing line by line, policyholders accept low settlements by default.

Depreciation & Holdback Games

Carriers routinely hold back recoverable depreciation, citing policy language policyholders don't understand. A licensed public adjuster knows exactly how to recover RCV your client is entitled to once work is complete.

Deadlines Are Real

Wisconsin policies contain strict notice and proof-of-loss deadlines. Missing them can forfeit legitimate claim rights entirely. Our team ensures every deadline is tracked and met — protecting your client and your project timeline.

⚠️ The Missed Damage Problem

The average storm-damaged home in the Madison area has 3–6 covered damage items that go completely undetected in a standard carrier inspection. Every missed item is money your client won't see — and scope you may never recover.

"
"After a hail storm hit our client's home in Middleton, the carrier offered $11,200. The Adjustment Firm stepped in, fought for the full scope, and got the final settlement to $34,600. My crew was able to do the job right — and I didn't have to spend a single hour on the phone with the insurance company."
— Roofing Contractor, Middleton, Wisconsin
Ready to Recover
Every Dollar Your Clients Are Owed?

A licensed public adjuster will reach out within 24 hours to review your client's claim — at no cost or obligation.

Free Consultation

Get Your Free
Claims Review

Tell us about your client's storm damage. We'll assess whether they have a viable supplemental claim — free, fast, and with no obligation.

Urgent — Active Claim

Already in the
Claims Process?

Don't sign anything yet. If an insurance claim is already open, a public adjuster can still intervene before the settlement is finalized. Act now.

Contractor Partnership

Join Our Preferred
Contractor Network

Partner with The Adjustment Firm and offer your clients a licensed advocate. Get referrals, faster approvals, and full-scope settlements.

Your Clients Are
Owed More. Let's Get It.

Every storm season, Madison-area homeowners leave tens of thousands of dollars on the table because no one fought for the full settlement. The Adjustment Firm changes that — for your clients, and for your business.

Get a Free Claim Review Today