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Insurance Law/Wind damage to roof


Is it customary to only replace 1/2 of a roof after storm damage?  I have several shingles that came off my room recently in a storm and a lot of others that were lifted up.  The shingles that were lifted on the front of the house had the nails come right thru them, but on the back the nails didn't come thru, so the insurance adjuster is just adding on for labor to have them re-tar those shingles back down.  This just doesn't sound right to me or my roofer.  Is there any laws in WI to protect me on this?  Is there a matching law in WI?


Hi Betty-
I'm not aware of any matching law in Wisconsin.  If the storm only damaged a portion of the roof, then the insurance would only pay to repair that. You can ask that they have another adjuster come out to inspect that damage, but I suspect that they will find that the damage to the other shingles was sufficient to need them to be replaced.  Sorry I can't be of more help.


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I am a licensed Property/Casualty agent in the state of Wisconsin, a Certified Insurance Counselor and a Certified Insurance Service Representive, with a 15+ year background in personal insurance underwriting. I am currently working in the Homeowners and Auto field, and was licensed in Life and Health insurance years ago. I can provide input if you will give me a "one paragraph what`s the story", however depending on the situation, do note that as policy forms and endorsements vary by the state, the information may be general and educational in nature.


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