Ask The Experts · 1310 WIBA (WIBA-AM)

Navigating Hail & Real Estate with Rock Realty

April 8, 2026·23 min·2 clips

Adam reveals why a 15-year-old roof might only get a fraction of its replacement cost from insurance.

The conversation opens loose and local. Before the hail talk takes over, the host catches up with Matt Heitman, repeats Rock Realty contact details, and sets up a featured Janesville listing with an in-ground pool. Then the weather becomes the point. The host brings it back to Edgerton, where the hail was bad enough that cars looked beaten up and roofs were described as destroyed. The real estate angle stays useful. If someone is looking at a home after storms, or getting ready to list one, roof condition is not just a repair note. It can affect insurance coverage, claims, repair costs, and negotiations. Adam explains the part that homeowners often miss: replacement cost covers the full cost of a new roof, while actual cash value covers the depreciated value. That difference can hurt. On an older roof, the payout may only cover part of the replacement, which leaves somebody trying to close the gap. The host plays the layperson role well. He asks whether an asphalt shingle is just an asphalt shingle, which gives Adam room to explain the good, better, and best range without turning the segment into a contractor lecture. Class 4 shingles get a clear mention. Adam describes impact-resistant shingles as tougher against hail and impact damage, then points listeners back to their insurance agent about possible premium discounts. The tone stays neighborly, even when the details get into policy language and roof materials. There is plenty of contact-info repetition near the end, with Rock Realty, Katie's featured listing, Performance Exteriors, phone numbers, Rock Wisconsin, and ways to find Performance Exteriors online. Still, the useful message is easy to catch. Storm damage can become an insurance problem, a negotiation problem, and a listing problem at the same time. Buyers and sellers get a simple checklist: ask what coverage applies, check the roof's age and condition, and do not assume every shingle or insurance payout works the same way.

As heard by us

A practical hail and roofing segment with a clear insurance takeaway.

The segment starts with a Janesville listing, then moves into hail damage, roof insurance, and shingle quality. That makes the practical value easy to follow.

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Why you'd press play

If hail has hit your roof, this is the insurance talk you need.

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