What is The Hookset Group?

A high-performance ecosystem integrating professional roofing services, contractor-focused marketing, and intelligent business automation systems.

What exactly is a supplement?

A supplement is a formal request to your insurance company for additional money beyond their initial estimate. When an adjuster's scope is missing items — flashing, underlayment, code upgrades, damaged decking — we document the missing scope, cite the relevant building codes, and submit it to the carrier for approval. It's not a negotiation tactic; it's a documented claim for work the adjuster overlooked or underpriced.

How does a supplement work if part of the scope was missed?

Here's the step-by-step: First, we complete our own independent inspection — drone aerials plus ground-level photos — and write our scope in Xactimate. Then we compare our scope line-by-line against the adjuster's estimate. Every missing or underpriced line item gets documented with photos, measurements, and code citations. We submit that package to your adjuster or the carrier's supplement department. They review the evidence and issue an adjusted estimate that includes the missed items. The additional funds are added to your claim — you don't pay out of pocket for anything the insurance should be covering. In most cases, supplements are approved within 5–10 business days, though complex ones can take longer.

Will filing a supplement slow down my repair?

It can add time, but it's worth it. A supplement typically takes 5–10 business days for the carrier to review. We can often begin emergency work (tarping, temporary protection) immediately, and in many cases we can start the tear-off while the supplement is being processed — as long as the scope of the core replacement is agreed upon. We'll never start final installation on disputed items until the supplement is resolved, because we want every dollar funded before the work is locked in.

What if the adjuster missed damage entirely?

This is exactly what supplements are for. Adjusters inspect dozens of roofs a day, often from the ground or a ladder at the eave. Hidden damage — compromised decking under the shingles, damaged flashing around chimneys and valleys, impact marks on metal that aren't visible from the ground — gets missed. Our drone and hands-on inspection catches what they can't. We document it, photograph it, and submit it. If the adjuster disagrees, we can request a re-inspection where we walk the roof with them and point out the damage in person.

Can I keep the leftover money from my claim?

It depends on your policy type. With an RCV (Replacement Cost Value) policy, the insurance only releases the recoverable depreciation after the work is completed and documented. You can't pocket the difference — the funds are tied to the actual repair. With an ACV (Actual Cash Value) policy, once you receive the settlement, the money is yours — but the payout is lower because depreciation isn't recoverable. We'll explain exactly how your policy works before any money moves.

How long does the supplement process take?

Simple supplements (a few missed line items) are typically approved within 5–10 business days. More complex supplements involving code upgrades, structural damage, or disputed scope can take 2–4 weeks. If the carrier disputes the supplement, we can request a re-inspection, which adds time but often results in a higher payout. We keep you informed at every step so you always know where things stand.

What if the insurance check is less than the estimate?

Don't panic — this is common and it's exactly what the supplement process is designed to fix. The initial check is often just the Actual Cash Value (ACV) portion, with depreciation held back until the work is done. If the total estimate is also low, we file a supplement for the difference. Never cash a check and assume that's the final number — call us first so we can review the estimate and make sure nothing was missed.

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Hookset Exteriors

Storm Damage
Restoration.

When storms hit Southern Wisconsin, Hookset responds fast. We handle everything from emergency tarping to full insurance claim management and complete exterior restoration.

Call 24/7 Emergency Line

Our Process

Storm Response to Full Restoration

We manage every step — from emergency response to insurance claim payout to final installation.

Emergency Response

Same-day tarping and temporary protection to stop further damage while we plan the restoration.

Drone Damage Assessment

Full aerial and ground inspection with drone photography to document every area of damage.

Insurance Claim Filing

We work directly with your adjuster, provide all documentation, and advocate for your full coverage.

Scope of Work

Detailed written scope approved by you and the insurance company before any restoration begins.

Full Restoration

Roof, siding, gutters, and any other affected exterior surfaces restored to pre-storm or better condition.

Final Documentation

Drone final photos and written completion report delivered to you and your insurance carrier.

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Real Damage. Real Results.

Storm Damage We've Documented

Photos from actual inspections across Southern Wisconsin — hail damage, wind damage, deterioration, and more.

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Emergency roof tarp — synthetic underlayment protecting exposed shingles after storm damage

How Wind Destroys a Roof

The 3 Stages of Wind Damage

Wind damage isn't sudden — it's a progression. Here's the same roof showing exactly how a shingle fails, from unsealed to gone.

Close-up of a horizontal crease line across the face of dark gray architectural shingles

01Shingle Unseals

Wind lifts the shingle tab and breaks the factory sealant strip beneath it. Once unsealed, the tab is free to flap — the first stage of wind failure.

Chalk-outlined shingle on a frosty roof showing the seal has released and begun to crease

02Shingle Creases

As the unsealed tab flaps in repeated wind gusts, the shingle bends back and forth until the material fatigues and forms a permanent crease. The crease is a structural crack in the shingle — it will never reseal.

A fully detached shingle tab lying next to the exposed adhesive strip where it broke free

03Shingle Detaches

The creased shingle breaks clean at the crease line and falls off the roof, exposing the underlayment — and eventually the decking — to water intrusion. This is how a single windstorm turns into a leak.

Was Your Home Hit?

Find Your Storm Date

Enter your ZIP code to see recent hail and wind storm reports documented by NOAA near your property. If storms passed through your area, your roof may have hidden damage — schedule a free inspection to find out.

NOAA — the National Oceanic and Atmospheric Administration — is the U.S. government agency that tracks and documents severe weather nationwide. Their Storm Prediction Center records every reported hail and wind event with exact coordinates, timestamps, and severity. Reports reflect NOAA-documented weather events, not confirmed property damage — a professional inspection is required to assess your roof.

Maximize Your Claim

Xactimate & Proper Supplements

Insurance adjusters write estimates fast and often miss things. We use the same software they do — Xactimate — to write accurate scopes and file supplements for missed line items, code upgrades, and underpriced materials. That's how you recover the full dollar value your claim is actually worth.

Same Software Insurers Use

We write every estimate in Xactimate — the exact pricing database your insurance adjuster uses. That means apples-to-apples line items, not a contractor estimate they can dismiss.

Supplements for Missed Scope

Adjusters work fast and from the ground. We file formal supplements for the items they missed — flashing, drip edge, underlayment, decking, vent pipe boots, and more. Every dollar the claim is owed.

Code Upgrades Required by Law

Local building codes change. If your roof needs upgrades to meet current code (ice & water shield, drip edge, ventilation), insurance is often required to pay for those upgrades — but only if they're properly documented and submitted.

Underpriced Materials Corrected

Adjuster pricing is sometimes outdated or regionally inaccurate. We submit documentation showing current material and labor costs so your claim reflects what the work actually costs in Southern Wisconsin — today.

We Re-negotiate, You Don't Pay

If the initial insurance estimate is low, we go back and forth with the carrier to get it right. You don't pay out of pocket for scope the insurance company should be covering.

Full Documentation Backing Every Line

Drone photos, ground-level inspection photos, measurements, and code citations back every supplement we file. Adjusters approve faster when the evidence is undeniable.

Don't Leave Money on the Table

Most homeowners accept the first insurance estimate without question. That estimate is frequently missing 15–30% of the actual scope — not because the adjuster is dishonest, but because they're moving fast and working from the ground. Our job is to document what they missed, cite the code that requires it, and submit a supplement that recovers the difference. You're entitled to a full, code-compliant restoration — not a partial one.

Real Claim. Real Numbers.

From $32K to $74K

A real Southern Wisconsin claim where the initial insurance estimate covered the roof and gutters — but missed significant storm damage across the property. Here's what proper supplementing recovered.

Initial Insurance Estimate

$32,000

What the adjuster covered:

House roof
House gutters
Garage roof
Garage gutters

After Hookset Supplements

$74,000

What we recovered on top:

House deck (full replacement)
Garage siding
Property fence (full perimeter)
2 damaged windows (replacement)

Additional scope recovered

+$42,000

The adjuster wrote the estimate for the roof and gutters. Our thorough inspection and hands-on walkthrough documented hail damage to the deck, garage siding, and perimeter fence — all part of the same storm. We submitted the supplement with photos and code citations, and the carrier approved every line item.

Every claim is different — results vary based on policy type, storm severity, and scope of documented damage. The point isn't that every claim doubles. The point is that if you accept the first estimate without a proper supplement review, you'll never know what you left on the table.

FAQ

Storm Claim Questions Answered

The questions every homeowner asks when navigating a storm damage claim for the first time.

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Ready to Build Something Extraordinary?

Whether you need a new roof, professional maintenance, a remodel, or custom workflows — the Hookset ecosystem has you covered. Let's talk.

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Storm DamageRestoration.