Public Adjuster Hudson, WI
Wind, Hail and Snow Claims in a County That Does Not Get Declarations
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FEMA has declared 11 disasters covering St. Croix County across the program's history, and not one for a storm, flood or tornado since 2014. Meanwhile NOAA logged a 68-knot gust that blew the windows out of the Hudson library in 2021 and a 74-knot gust that took part of an apartment roof off in North Hudson in 2023. No declaration, no federal help: just your policy and a dated weather record.
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Nobody Is Coming to Declare Your Storm a Disaster
St. Croix County's whole federal record is 11 declarations, with nothing at all for a storm, flood or tornado since 2014, and only the 2020 pandemic declaration ever brought Individual Assistance. That is the normal case in western Wisconsin: the wind that takes your roof off arrives on an ordinary weekday, not as a named event, and no program opens afterward.
What exists instead is NOAA's record, and for Hudson it is unusually specific. An estimated 68-knot gust on September 17, 2021 put trees and power lines down across the city and blew windows out of the Hudson library, with $500,000 in property damage recorded. On July 24, 2023 an estimated 74-knot gust at North Hudson took part of an apartment roof off and broke or uprooted several hundred trees, while a survey the same afternoon found dozens of trees down in Hudson itself.
A Hudson claim is therefore built rather than declared. The loss is matched to a dated entry, the damage photographed before anything is tarped or cleared, a repair estimate at current prices, and the insurer held to Wisconsin's own clocks. Those clocks, and the interest the state charges on a late payment, are on our Wisconsin page.
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What St. Croix County's Weather Record Actually Holds
From NOAA's Storm Events entries for St. Croix County over the decade to September 2026, and from FEMA's declaration records.
About 78 miles an hour, September 17, 2021, with $500,000 in property damage recorded and the library's windows blown in.NOAA Storm Events
Plus 31 severe thunderstorm wind reports and three tornado reports.NOAA Storm Events
Nothing for a storm, flood or tornado since 2014, and only the 2020 pandemic declaration brought Individual Assistance.FEMA declarations data
February 2019, and the December 2021 storm averaged 12 to 18 inches across the southern three-quarters of the county.NOAA Storm Events
The Wisconsin Rules That Matter Once You File
One is about the insurer keeping you; the other is about breaking a deadlock.
Filing does not let the insurer walk away mid-term631.36
A court appoints the umpire, and it must do it promptly631.85
Where St. Croix County Storms Have Landed
Each area below names a dated weather entry from the county's own record.
Hudson and North Hudson
The 2021 and 2023 wind eventsThe two largest wind entries in the county's record are here: September 17, 2021 at Hudson, and July 24, 2023 at North Hudson, where a damage survey put the gusts at 75 to 85 miles an hour. Hail has hit the same blocks, at two inches in May 2022 and up to golf ball size in eastern Hudson in July 2023.
Somerset, New Richmond and Star Prairie
The hail swathOn June 11, 2017 a single line of storms dropped two-inch hail at Somerset and 1.75-inch hail at New Richmond within fifteen minutes. In the September 2021 event an estimated 61-knot gust at Somerset blew the entire roof off the west side of a pole barn, with $100,000 in property damage recorded.
Roberts, Hammond, Baldwin and Woodville
The eastern countyThe July 24, 2023 storms carried east: an estimated 60-knot gust at Hammond blew down many trees ten to twelve inches across. In September 2021 a large tree was snapped near its base west of Roberts, which NOAA logged as a continuation of the winds that hit the Hudson area.
Nearby pages we serve
Hudson Claim Routes: Public Adjuster, Lawyer, or Handle It Yourself
With no declaration behind the loss, everything turns on what you can document and what the policy actually says.
Public Adjuster
Builds the proof the declaration never gave you- Ties the loss to a dated county weather entry, scopes the repair at current prices, and answers the wear-and-tear deductions one by one.
- No upfront fee, with the share written into the agreement before work begins.
Attorney
When a date or the carrier's behavior is the problem- The right call when a suit-limitation date is close or the dispute is about how the carrier behaved rather than what it owes.
- Costs more than a disagreement over a depreciation schedule needs.
On Your Own
One tree, one roof, one date- Reasonable where one dated gust did one visible thing and the interior stayed dry.
- Harder once the argument turns to whether wind opened the roof before the rain arrived, which is the question these files turn on.
The Claims Hudson Brings Us
Every card is tied to a dated NOAA entry, to FEMA's data, or to Wisconsin statute.
Straight-line wind
Thirty-one severe wind reports in the county since 2016, topped by the estimated 68 knots at Hudson in September 2021 and 74 knots at North Hudson in July 2023. Roof sections, siding and trees on structures are what these files scope. Our wind and tornado claims page covers how we document it.
Hail on a roof
Seventy-six hail reports since 2016, including two inches at Hudson in May 2022, golf ball size in eastern Hudson in July 2023, and quarter size that covered the ground in June 2026. Our hail damage claims page covers the inspection.
Snow load and collapse
NOAA measured 9.0 inches near Hudson in February 2019, 7.5 inches in November 2022 and 12 to 18 inches across the southern three-quarters of the county in December 2021. Whether a collapse is covered is a question about your policy's wording on weight of ice, snow or sleet, not about statute.
Ice, frozen pipes and interior water
The county's record carries 31 winter storms and eight extreme cold events since 2016, and in January 2026 observers reported a glaze of ice near Hudson. Our water and flood claims page sets out which coverage answers which kind of water.
Flood, which is rarer here than you think
Across the whole history of the federal flood program there are just 17 claims in ZIP code 54016 and 74 in all of St. Croix County. Claims that rare put the argument on the homeowners policy and on what caused the water, rather than on a flood policy.
Our Order of Work on a Hudson File
Date first, then the documents, then the routes the policy already gives you.
Fix the date to a record
St. Croix County's NOAA entries are specific enough to carry a claim: a gust speed, a location and a day. That record is what an undeclared storm leaves you in place of a disaster number.
Document before the cleanup
Tarps, tree removal and board-up all destroy evidence. Photographs and measurements taken first are worth more later than any argument.
Price the repair, then read the deductions
A scope priced at current Wisconsin rates, with each depreciation and wear deduction questioned instead of accepted.
Use the clauses you already paid for
Where the two numbers will not meet, the appraisal clause is the next move, and Wis. Stat. 631.85 makes a court name the umpire promptly when the clause allows it.
The rest of Wisconsin's claim rules are set out on the Wisconsin page.
Questions Hudson Owners Ask About Wind, Snow and Renewal
Was the storm that hit my house ever declared a disaster?
If I file a claim, can my insurer drop me?
The appraisers cannot agree. Who picks the umpire?
Why is my mortgage company on the insurance check?
A heavy snow year caved part of my roof. Is that covered?
What will a public adjuster cost me here?
A Hudson Claim That Came Back Short: Where to Look
Start with what the letter says, what the record says, and what the policy says.
Which event the letter names
St. Croix County's record is made of dated entries, so a letter that names the wrong day, or names nothing, is worth answering in writing.
Whether wind opened anything
Interior water after a windstorm depends on whether the wind opened something first. That is a policy question, and photographs of the exterior answer it better than any adjective.
What the notice attached to your file is
A cancellation notice and a nonrenewal notice are different documents with different clocks under Wis. Stat. 631.36, ten days and sixty days. Keep both envelopes.
Send the letter, your declarations page and the storm date. We will name which of the three is holding the file up. Start with a free claim review.
What Is Actually at Risk in Hudson
The Wisconsin Department of Administration's parcel database lists 6,550 properties in the City of Hudson, 5,632 of them residential, and 5,441 of those carry improvements assessed at $1,687,288,100 in total. The Town of Hudson adds 3,143 residential parcels and the Village of North Hudson another 1,455.
Two statutes worth knowing while a mortgage is involved: Wis. Stat. 632.08 lets the policy pay a mortgagee, but a loss not exceeding $500 must be paid to you unless the lender is a named insured; and Wis. Stat. 632.07 bars a lender from requiring coverage above the replacement or market value of the improvements, whichever is greater.
Talk Through a Hudson Claim
No upfront fee. We need three things to start: when the storm hit, any photographs taken before the cleanup, and whatever the carrier has already put in writing.