What does Wis. Stat. §628.46(1)-(2) require of the insurer?

30 days to pay the claim once it is documented. Overdue after 30 days from written notice of the loss and its amount, or from proof of loss if the policy requires it. Overdue payments bear 7.5% simple interest. Text read from a 2021 web-archive copy of the statute.

Is there a set Wisconsin deadline for telling my insurer about roof damage?

The policy sets the notice period. By statute (631.81(1)) late notice or proof, if given as soon as reasonably possible and within one year after it was required, does not invalidate the claim unless the insurer is prejudiced.

How long do I have to sue my Wisconsin insurer?

Wis. Stat. §631.83(1)(a) gives 12 months. Ask a Wisconsin attorney how it applies to your claim.

Wisconsin roof insurance claim deadlines

Wisconsin sets its insurer clocks through Wis. Stat. 631.81, 631.83 and 628.46, and Wis. Admin. Code Ins 6.11. The Wisconsin text we read names no acknowledgement period. 2 Wisconsin limits follow.

Illustration of a homeowner at a table reading an insurance policy, with a damaged roof visible through the window — Illustration generated with AI.

Every Wisconsin clock, with its source

Limits in Wisconsin (2026-10-08)
Who	Step	Deadline	Rule
Insurer	Respond to your communication about the claim 'Prompt' means responsive action within 10 consecutive days of receiving your communication (Cornell mirror of the rule).	10 consecutive days	Wis. Admin. Code Ins 6.11(2)(c)
Insurer	Pay the claim once it is documented Overdue after 30 days from written notice of the loss and its amount, or from proof of loss if the policy requires it. Overdue payments bear 7.5% simple interest. Text read from a 2021 web-archive copy of the statute.	30 days	Wis. Stat. §628.46(1)-(2)

Checked 2026-10-08 against 2 linked Wisconsin sources.

Each bar is one Wisconsin limit in calendar days (business and working days scaled by 7/5). Dashed tick: median of the states with a page on this site. Exact units are in the table above.

What the Wisconsin text says

“...responsive action within 10 consecutive days from receipt of a communication concerning a claim.”
Wis. Admin. Code Ins 6.11(2)(c), source text, read 2026-10-08.

“A claim shall be overdue if not paid within 30 days after the insurer is furnished written notice of the fact of a covered loss”
Wis. Stat. §628.46(1)-(2), source text, read 2026-10-08.

What we could not confirm in Wisconsin

The policy sets the notice period. By statute (631.81(1)) late notice or proof, if given as soon as reasonably possible and within one year after it was required, does not invalidate the claim unless the insurer is prejudiced. Official page.
Ins 6.11 requires affirming or denying 'within a reasonable time' after proof of loss; no day count. Official page.

Not legal advice. Wisconsin sets a statutory suit limit for fire, windstorm and hail policies (12 months after the loss begins). The notice deadline comes from your policy; late notice does not void a claim unless the insurer is prejudiced. Complaints in Wisconsin start with the Wisconsin Office of the Commissioner of Insurance.

Wisconsin claim questions

What does Wis. Stat. §628.46(1)-(2) require of the insurer?: 30 days to pay the claim once it is documented. Overdue after 30 days from written notice of the loss and its amount, or from proof of loss if the policy requires it. Overdue payments bear 7.5% simple interest. Text read from a 2021 web-archive copy of the statute.
Is there a set Wisconsin deadline for telling my insurer about roof damage?: The policy sets the notice period. By statute (631.81(1)) late notice or proof, if given as soon as reasonably possible and within one year after it was required, does not invalidate the claim unless the insurer is prejudiced.
How long do I have to sue my Wisconsin insurer?: Wis. Stat. §631.83(1)(a) gives 12 months. Ask a Wisconsin attorney how it applies to your claim.

Answers use the limits and citations in the table above, checked 2026-10-08. Information, not legal advice.

Wisconsin hail history

Counting 8 Wisconsin cities, the NOAA records show 112 city-days of 1-inch-plus hail in this Wisconsin period. Biggest on file for Wisconsin: 4.5 inches. Peak month: Apr.

Wisconsin: monthly hail reports from NOAA Storm Events.

Wisconsin: the first week

Photos of the Wisconsin damage, dated; checklist here.
Send the Wisconsin claim in writing and keep the date.
Wisconsin sets no fixed decision period in this rule. Write down when each page reached Wisconsin's carrier.
A second opinion on price: Wisconsin roofers.

Wisconsin cities we cover

City	Roof age	Hail	Roofers
Appleton	How old are the roofs	Storm history	Roofers
Eau Claire	How old are the roofs	—	Roofers
Green Bay	How old are the roofs	—	Roofers
Janesville	How old are the roofs	—	Roofers
Kenosha	How old are the roofs	Storm history	Roofers
La Crosse	How old are the roofs	Storm history	Roofers
Oshkosh	How old are the roofs	Storm history	Roofers
Racine	How old are the roofs	Storm history	Roofers

Nearby states

Illinois, Michigan, Ohio, Minnesota or all states.