Legal

Insurance Claims & Storm Damage Disclosure

Effective Date: September 10, 2026 · Last Updated: September 10, 2026

TL;DR – Insurance Claims & Storm Damage

If your roof work is paid for through a property-insurance claim, we play it straight. We never pay, rebate, or absorb your deductible, and we never advertise a "free roof." We are not insurance adjusters and do not negotiate your claim. Our storm-damage inspections report only what is there. Federal law gives you three business days to cancel a contract signed at your home, and Wisconsin law may give you a further right to cancel if your insurer denies your claim — see sections 4 and 7.

1. Our Role in Insurance-Funded Roof Work

Some roof replacements — particularly after hail or wind storms — are paid for in whole or in part by a homeowner's property-insurance claim. In those projects the insurance relationship is between you and your insurer. Interlock Industries (Midwest) Inc. provides the roofing side: honest damage documentation, a written scope of work, and a repair or replacement estimate that you and your insurer can rely on. With your permission we can discuss the damage and the estimate with your insurer, but the claim is always yours.

Where Interlock Industries (Midwest) Inc. refers your request to an independent contractor, that contractor performs the inspection and the work under its own contract with you, and the commitments on this page bind the contractor as well.

2. We Never Pay, Rebate, or Absorb Your Deductible

Your insurance deductible is your responsibility under your policy. Interlock Industries (Midwest) Inc. never advertises or promises to pay, waive, rebate, offset, or absorb any part of an insurance deductible, and never offers gifts, allowances, upgrades, or "free" items as an inducement tied to an insurance claim. We do not advertise a "free roof," "no out-of-pocket roof," or "insurance pays for everything."

Under federal law, advertising that a roof is free or that the deductible is covered, when the policy requires you to pay it, is a deceptive practice (Federal Trade Commission Act, 15 U.S.C. § 45). Billing an insurer for the full contract price while quietly waiving the deductible misstates the amount you actually paid and exposes you, not just the contractor, to a fraud allegation. An offer like this from any contractor is a warning sign.

Statutes of Wisconsin that prohibit deductible rebates are listed in section 7.

Wisconsin: Wisconsin's residential-contractor statute applies to anyone who contracts with a homeowner to repair or replace a roof system on a one- or two-family dwelling. It provides: "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" (Wis. Stat. § 100.65(2)). "Promise to pay or rebate" includes allowances, discounts, compensation, gifts, prizes, bonuses, coupons, credits, referral fees or anything else of monetary value (§ 100.65(1)). Interlock Industries (Midwest) Inc. therefore offers no deductible waiver, no upgrade or allowance equal to a deductible and no referral bonus tied to an insurance job, on this website, in advertising or in conversation. Each violation carries a forfeiture of $500 to $1,000 (§ 100.65(9)).

3. We Are Not Insurance Adjusters

We are roofing professionals, not licensed public adjusters. Public adjusting is a licensed profession in every U.S. state, and a roofing contractor may not adjust, negotiate, or settle your claim on your behalf, or advertise a claim-negotiation service, unless separately licensed to do so. We do not interpret your policy, negotiate or settle your claim, or represent you in dealings with your insurer.

What we provide, with your express permission, is factual support for your claim: photographs, measurements, a written damage assessment, and a detailed repair or replacement estimate. At your request we can discuss those materials with your insurer. If you want help negotiating a claim, hire a licensed public adjuster or an attorney; we can tell you how to check a license with the insurance regulator of Wisconsin.

Wisconsin: "No residential contractor may represent or offer or advertise to represent a consumer or negotiate or offer or advertise to negotiate on behalf of a consumer with respect to any insurance claim related to the repair or replacement of a roof system or to the exterior repair, replacement, construction, or reconstruction of residential real estate" (Wis. Stat. § 100.65(8)). With your express consent the statute permits us to discuss the damage with you or your insurer's representative, to give you an estimate, to submit that estimate to your insurer and to discuss repair options with you or the insurer's representative (§ 100.65(8)(a), (b)). That is the limit of what Interlock Industries (Midwest) Inc. does in Wisconsin: we do not handle, negotiate or settle your claim.

4. Your Right to Cancel if Your Claim Is Denied

If your insurer denies the claim behind a roofing contract with Interlock Industries (Midwest) Inc., Wisconsin law gives you a specific right to cancel (Wis. Stat. § 100.65).

Deadline: midnight on the third business day after you receive the insurer's written notice that the claim is denied in whole or in part (§ 100.65(5)).

Contract statement: every Wisconsin contract, storm-related or not, carries this 10-point bold statement for you to complete before signing (§ 100.65(3)(a), (4)): "Please indicate whether, to the best of your knowledge, the work contemplated by this contract is related to a claim under a property insurance policy: .... YES, to the best of my knowledge, the work contemplated by this contract is related to a claim under a property insurance policy. .... NO, to the best of my knowledge, the work contemplated by this contract is not related to a claim under a property insurance policy. Date .... Customer's signature .... Residential contractor's signature .... You may cancel this contract at any time before midnight on the third business day after you have received written notice from your insurer that the claim has been denied in whole or in part under the property insurance policy. See the attached notice of cancellation form for an explanation of this right."

A detachable duplicate NOTICE OF CANCELLATION form, also in 10-point bold, is attached (§ 100.65(3)(b)).

How to cancel: hand-deliver or mail first class the signed, dated form or any written notice to Interlock Industries (Midwest) Inc. at the contract address. Within 10 days we return every payment, deposit and note, less only the reasonable value of emergency work you acknowledged in writing as necessary to prevent damage; no other fee clause is enforceable against you (§ 100.65(6), (7)). Our Cancellation & Refund Policy describes the separate three-business-day cooling-off right.

5. Honest Storm-Damage Inspections

Our inspections report what is actually on your roof — nothing more. We photograph and document damage as found, with date-stamped images you may keep. We never create, exaggerate, or stage damage, and we do not climb onto your roof without your express permission. If your roof does not need replacement, we tell you so. We do not canvass storm-hit neighborhoods with claims that a roof is damaged before it has been inspected, and we do not represent that a storm has occurred at your address unless we have weather data for that date and location.

6. Insurance Fraud Is a Crime

Knowingly inflating a claim, concealing a deductible arrangement, staging damage, or billing an insurer for work not performed is insurance fraud under state criminal law, and, where the mail or interstate wires are used, may also be prosecuted federally as mail or wire fraud (18 U.S.C. §§ 1341, 1343). We do not participate in it, and our staff and any contractor we work with are instructed to refuse it.

If anyone representing themselves as working with Interlock Industries (Midwest) Inc. offers to "take care of your deductible" or to inflate your claim, report it to policies@interlockgroup.com.

7. Wisconsin Law

The Wisconsin statutes and rules that govern insurance-funded roof work by Interlock Industries (Midwest) Inc., in one place:

  • Residential contractors, Wis. Stat. § 100.65 (2013 Wisconsin Act 24, effective January 1, 2014): no deductible rebates or incentives, including in advertising; no representing or negotiating with the insurer; the contract statement and detachable NOTICE OF CANCELLATION form; cancellation until midnight of the third business day after a written denial; refund within 10 days; forfeiture of $500 to $1,000 per violation. https://docs.legis.wisconsin.gov/statutes/statutes/100/65
  • Home Improvement Practices, Wis. Admin. Code ch. ATCP 110: written contract, permit disclosure, written warranties, lien-waiver notice, and no misrepresenting that your roof is dangerous or must be replaced (ATCP 110.02(9)(c)). https://docs.legis.wisconsin.gov/code/admin_code/atcp/090/110.pdf
  • Consumer approval transactions, Wis. Stat. §§ 423.201 to 423.205: the three-business-day right to cancel a contract signed at your home. https://docs.legis.wisconsin.gov/statutes/statutes/423
  • Fraudulent representations, Wis. Stat. § 100.18, and unfair trade practices, Wis. Stat. § 100.20: deceptive advertising, and double damages plus attorney fees for violations of ATCP 110.

Complaints: Wisconsin Department of Agriculture, Trade and Consumer Protection, Consumer Protection Bureau, 1-800-422-7128, https://datcp.wi.gov. Dwelling-contractor credentials: Wisconsin DSPS, https://dsps.wi.gov/Pages/Professions/DwellingContractor/Default.aspx.

8. Contact

For questions about this disclosure:

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