Public Adjuster Madison WI
Madison Hail, Wind and Basement Flood Claims, From Maple Bluff to Shorewood Hills
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On April 14, 2026, a trained spotter photographed 4-inch hail east of Maple Bluff, and 3.25-inch stones fell on Madison's east side. Wisconsin law sets rules for the contractors who repair that kind of damage, and flood insurance sets tight limits on what it pays in a basement.
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Get Help With Your Madison Insurance Claim
After a Madison Hailstorm, Read the Roofing Contract Before the Claim
Wisconsin regulates the contractors who repair storm damage. A residential contractor working on a one- or two-family home may not offer to cover any part of your insurance deductible, whether in person or in an ad.
Before you sign, the contractor also has to give you a written statement asking whether the job is tied to an insurance claim, with a cancellation form attached. If your insurer then denies the claim in whole or in part, you have until the end of the third business day after its written notice to cancel.
We document the roof for the insurer and leave the repair choice to you. Our hail damage claims page covers roof inspection.
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Madison Storm and Flood Records in Four Numbers
Hail sizes from NOAA's storm record; FEMA counts pulled 2026-09-15 for the 2018 flood.
A spotter's photograph confirmed the size.NOAA Storm Events
309 recorded water in the basement.OpenFEMA Individual Assistance
443 reported homeowners insurance.OpenFEMA Individual Assistance
Five were destroyed outright.NOAA Storm Events
Two Rules That Change a Madison Hail or Basement Claim
One is Wisconsin law on storm-repair contracts; the other is the federal Standard Flood Insurance Policy. The Wisconsin page covers the rest.
Your right to cancel a storm-repair contract100.65
What flood insurance pays below ground44 CFR 61
Where Madison Storms Have Hit: the East Side, the Isthmus and the West Side
Hail on the east side, lake water on the isthmus and creek flooding to the west each have a NOAA record.
Maple Bluff, the East Side and Cottage Grove
The April 2026 hail coreSpotters on April 14, 2026 reported 3-inch hail near Maple Bluff, 2.75-inch hail in the village and 3.5- and 4-inch stones to its east, with 2.5-inch hail in Cottage Grove. In October 2023, 1.5-inch hail dented cars on Madison's east side.
The Isthmus, Washington Avenue and the Yahara River
Lake and street floodingRecord high water on Lake Mendota and Lake Monona in August 2018 flooded sections of the isthmus for more than a week, much of it near the Yahara River, and closed streets, bike paths and parks. In October 2019, people sat on top of their cars during street flooding on Washington Avenue.
The West Side, Shorewood Hills and Middleton
Creek flooding and windThe August 20, 2018 flash flood brought over 50 water rescues across Middleton, Verona and Madison's west side, and 70 homes in Shorewood Hills had water damage. In May 2024 a 4-foot-diameter oak came down on Old Sauk Road, and on April 14, 2026 spotters reported 2.5-inch hail in Middleton.
Who Handles a Madison Claim: Public Adjuster, Lawyer or You
After a Madison hailstorm the roofer, the insurer's adjuster and a lawyer each play a different part, and Wisconsin law keeps the roofer out of the negotiation.
Public Adjuster
Negotiates the claim for you- Measures the hail or water damage, prices it and presents the claim to your insurer. Under Wis. Stat. 100.65, a roofer may, with your consent, discuss the damage and submit an estimate, but may not negotiate the claim for you.
- No upfront fee. Under Wis. Stat. 629.05(4), an adjuster's fee cannot be demanded until the insurer has paid the claim.
Lawyer
For a lawsuit- Brings a lawsuit when a coverage dispute cannot be settled.
- Useful once a written denial arrives and negotiation has stopped.
You
A small, clear loss- Reasonable for a few cracked shingles with an obvious hail date.
- A basement loss is harder: the flood policy's covered-item list decides what gets paid.
Madison Claim Types on Record
Every card below points to a dated NOAA or FEMA entry for Madison or Dane County.
Hail
April 14, 2026 brought 4-inch hail east of Maple Bluff, and in September 2016 hail up to 2 inches damaged a home's roof and siding near Middleton. Our hail damage claims page covers roof inspection.
Wind and Fallen Trees
The night before the April 2026 hail, wind blew an AC unit off a hotel roof near the Alliant Energy Center. A 2017 EF0 tornado damaged or destroyed about 200 trees in Madison, and some fell onto homes. The wind and tornado claims page has more.
Basement Flooding
Of 535 Madison FEMA registrations after the 2018 flooding, 309 listed the basement as the high-water location and 8 reported flood insurance. Coverage differences are on our water damage and flood claims page.
Lakeshore Flooding
Lake Mendota and Lake Monona reached record levels in August 2018. Flooding on the isthmus centered near the Yahara River, and thousands of sandbags were deployed.
Apartment Water Damage
June 2018 flash flooding in the Town of Madison forced two apartment buildings to evacuate and left 42 units with wet carpeting and drywall.
Lightning Fires
On August 20, 2018, lightning set a fire that destroyed a home near Cross Plains. Our fire and smoke claims page has more.
Frozen Pipes
The cold of late December 2017 into January 2018 burst pipes in four Dane County businesses and two apartments, and more than a dozen water mains broke in Madison.
Our Process on a Madison Hail or Water Claim
Storm date, contract, water route, then the fee.
Match the damage to a storm day
NOAA logs the April 13, 2026 wind and the April 14 hail as separate records, so we tie each dent, missing shingle or fallen limb to one of those dates.
Review any roofing contract
If you already signed, we check for the Wis. Stat. 100.65 insurance statement and cancellation form before the insurer's decision arrives.
Trace the basement water
The flood policy's definition covers overflowing inland water or rapid runoff that inundates two or more acres or two or more properties; if the water fits, its basement list decides which items it pays for.
Confirm the fee limit
Executive Order 289 made the storms from April 13, 2026 a statewide emergency, which brings the 10 percent ceiling in Wis. Stat. 629.05 into play for claims those storms caused.
Wisconsin's claim statutes are summarized on the Wisconsin page. For southeast Wisconsin, see Milwaukee.
Madison WI Public Adjuster FAQ: Hail, Roofers and Basements
How big was the hail in Madison on April 14, 2026?
Can a Madison roofer offer to pay my insurance deductible?
Can I cancel a roofing contract if my insurer denies the hail claim?
Does flood insurance cover a finished basement in Madison?
What did FEMA record for Madison after the 2018 flooding?
What flooded on the Madison isthmus in 2018?
What does a Madison WI public adjuster cost?
How many Dane County homes did the August 2018 flood damage?
Madison Hail or Basement Claim Denied? Three Places to Look
Check three things on a Madison denial before replying to the insurer: the storm date, any contract you signed and the basement.
The storm date on the letter
Compare it with NOAA's record: wind on the night of April 13, 2026, hail on the afternoon of April 14.
The three-day window
A written denial starts the Wis. Stat. 100.65 clock to cancel a storm-repair contract on a one- or two-family home, and it runs to the end of the third business day.
The basement item list
If a flood policy paid less than you expected, match each denied item against the policy's basement list: furnace, water heater, sump pump, electrical boxes, washer, dryer, freezer.
Send the denial, any roofing contract and your declarations page. We'll tell you where the claim stands. Start with a free claim review.
In 2018, Few Madison Basements Had Flood Coverage
FEMA's 2018 flood records hold 535 Madison registrations; 309 marked the water in the basement, yet only 8 registrants reported a flood policy. The NFIP claims data lists 85 Dane County flood insurance claims for 2018.
A homeowners policy and a flood policy split basement water differently; the water damage and flood claims page explains the split.
Talk to Us About Your Madison Claim
No upfront fee. Give us the storm date, what hit the roof or the basement and whether you have signed with a contractor, and we'll lay out the next step.