Insurance Claims & Storm Damage Disclosure

Some roof replacements — particularly after hail or wind storms — are funded 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 and its authorized installers provide the roofing expertise: honest damage documentation, a written scope of work, and a repair or replacement estimate you and your insurer can rely on. With your permission, we can discuss the damage and our estimate with you and your insurer — but the claim is always yours.

Your insurance deductible is your responsibility under your policy. Interlock and its authorized installers never advertise or promise to pay, waive, rebate, offset, or absorb any part of an insurance deductible — and never offer gifts, allowances, upgrades, or “free” items as an inducement tied to an insurance claim.

This is both our policy and the law in several of our markets, including Minnesota (Minn. Stat. § 325E.66), Wisconsin (Wis. Stat. § 100.65), and Illinois (815 ILCS 513). An offer like this from any contractor is a warning sign.

We are roofing professionals, not licensed public adjusters. We do not interpret your insurance policy, negotiate or settle your claim, or represent you in dealings with your insurer, and we do not advertise any claim-negotiation service.

What we do 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 sign a repair or replacement contract expecting insurance to pay, and your insurer then denies all or part of the claim, the law in several of our markets gives you a specific right to cancel:

• Illinois — you may cancel within 5 business days after receiving the insurer’s written denial (or within 30 business days after the insurer receives proof of loss, whichever comes first), using the Notice of Cancellation supplied with your contract (815 ILCS 513/18).
• Wisconsin — you may cancel within 3 business days after receiving notice that the claim has been denied in whole or in part; your contract includes the required written notice of this right (Wis. Stat. § 100.65).
• Minnesota — you may cancel as provided in Minn. Stat. § 326B.811 if your insurer denies your claim in whole or in part.

In every market, the standard cooling-off rights described in our Cancellation & Refund Policy also apply. Payments are refunded as required by the applicable statute.

Our inspections report what is actually on your roof — nothing more. We photograph and document damage as found; we never create, exaggerate, or stage damage; and we do not climb on your roof without your express permission. If your roof does not need replacement, we will tell you so.

Knowingly inflating a claim, concealing a deductible arrangement, or billing an insurer for work not performed is insurance fraud. We do not participate in it, and our teams and authorized installers are trained to refuse it.

If anyone representing themselves as an Interlock dealer offers to “take care of your deductible” or inflate your claim, please report it to [email protected].

In our Canadian markets — including Alberta’s hail corridor — the same principles apply: your claim belongs to you, we never rebate deductibles, and we support your claim with honest documentation. Provincial consumer-protection law, including the direct-sales cancellation rights described in our Cancellation & Refund Policy, applies to in-home contracts, and your insurer’s appraisal process governs valuation disputes.

For questions about this disclosure:

• Email: [email protected]
• Phone: 1-866-733-5811
• Company: Interlock Roofing Ltd. / I.E.L. Manufacturing Ltd.