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Let’s Talk About It..

Deductibles

As a roofing contractor specializing in hail damage insurance claims, it’s important to be aware of the laws surrounding deductible payments in Wisconsin. According to Wisconsin Act 24, section 100.65 (2), “No residential contractor may, including in any advertisement, promise to pay or rebate all or any portion of a property insurance deductible as an incentive to a consumer entering into a written or oral contract with the residential contractor to repair or replace a roof system or to perform any other exterior repair, replacement, construction, or reconstruction of residential real estate. 

In other words, it is illegal for contractors to offer to pay or rebate any part of a homeowner’s deductible as an incentive for them to hire our company for repairs or replacements. As a reputable and professional roofing contractor, we follow the law and do not offer this type of incentive to our clients.

While it may be frustrating for homeowners to have to pay a deductible, it is a common and necessary part of the insurance process. We understand that paying a deductible can be a financial burden, but there are legal options available for offsetting this cost. One option is for homeowners to use the funds from their insurance claim to pay for the repairs or replacements.

Here’s an example of how this can work: let’s say a homeowner has a hail damage claim with a $1,000 deductible. The insurance adjuster agrees that the roof, gutters, and window screens have been damaged and need to be repaired. The adjuster creates an estimate with a total replacement cost value (RCV) of $20,000. If the homeowner decides not to replace their gutters but still has the roof and window screens repaired, they can use the insurance funds to pay for the roof and screens and hold back the depreciation on the work that wasn’t completed. In this case, the homeowner would have a bill for $17,000 for the roof and screens but no bill for the gutters. The insurance company would also have paid them $2,000 in ACV funds for the gutters. This can help the homeowner offset their deductible without breaking the law.
By understanding these options and working with a reputable and law-abiding contractor like ourselves, homeowners can ensure that their home is repaired to the highest standards and that they are protected.

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Randy Zielicke Avatar
Chuck stopped by and offered to do a roof inspection. After I confirmed that the company was local in Appleton, I allowed him to go on the roof. He confirmed we had hail damage and provided a report to what he found. The insurance adjuster could see it from the ladder before going on the roof.
Chuck was great to work with and always professional, and very friendly. He helped us with our insurance claim, pick the right color shingle and gave us some job addresses that had our shingle choices installed that we coud see what the roof looks like completed.
The team of roofers arrived before 7 a.m. and were here to get the job done. Our 3 bedroom house with a 2 car attached garage and our 2 car garage in the back yard was completed by 12:45 pm. 5 3/4 hours to complete the job and do all of the cleanup. The roofing team did an awesome job. They new roof is perfect.
Brookens Construction is good company and I would absolutely recommend them to family and friends!
Randy Zielicke 11/11/2022
John Nelson Avatar
Brookens Construction did a roof replacement for me in June of 2022 . I met Barry who did a lengthy inspection of my roof then showed me the damage,Barry met with the insurance adjuster and got this project scheduled. A job well done from Barry to Don the project manager and his hard working roofing crew. Everything was done with Quality workmanship and materials. I was very pleased how the roof replacement went and hired them to do the roof on my mothers house. Thanks to Brookens
John Nelson 8/29/2022
Bk Shuffle Avatar
Brian McGuire was the salesman who came to our house the day after a hail storm. He was awesome and provided a detailed pdf report. The install crew was great. Cameron, the Project Manager, was on-site for the duration of the work and then performed a detailed review and walk-through of the finished work. Cameron was a great communicator abs kept us informed. Lastly, Ashley Cox was an office contact as we had questions leading up to the actual days the work was performed. Her responsiveness to our email questions went way above expectations (emailed back once at 8am on a Sunday morning). The entire experience with Brookens was terrific and would highly recommend them.
Bk Shuffle 8/26/2022
Gary Keller Avatar
We initially met with Aaron and everyone we dealt with from that point on was very professional and timely. Tyler and Norman were amazing to work with, and I can’t say enough on how Norman’s crew did installing our new roof. They tore off and installed 50+ square of roofing on a complicated roof line in just under a full day because of rain in the early morning. Constant communications and follow up has been above and beyond what I typically see from businesses today.
I highly recommend Brookens construction.
Gary Keller 8/10/2022
Danielle Sievert Avatar
Kevin Gutierrez and Brookens Construction exceeded my expectations with my recent customer experience from start to finish. When he first arrived, Kevin not only provided a through inspection of my property after a hail storm hit my home. but he took the time to show and explain his findings. Further, he explained the process of filing a claim with my insurance agency and provided copies of the photos and assessment he provided.

He explained the options and process for repair and took my input when offering a quote for remedy of the damage. When I ran into problems when the independent adjuster came and under cut the damage Kevin and the Brookens team countered and worked with my insurance company. They advocated for me and my consumer rights. The adjuster sent did not even step in the roof so the support documentation, photos and knowledge that Kevin had shared at the initial visit helped me to get the full claim amount owed for the damage caused by the storm. None wants to have to use their insurance for a claim, but when damage results it is important to have someone in your corner to make sure you get what is due.

The quality work, care to my property, attention to care and clean up and follow up and responsive communication really set Brookens and Kevin a part from others. It is with highest confidence that I recommend Kevin and his team.
Danielle Sievert 7/26/2022
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