Resolution Claims
Resolution Claims
For Wisconsin condominium and homeowners association boards, treasurers and community managers. William J. Addis, Wisconsin public adjuster Registration #18667143, represents the association on its master-policy claim, never the insurance company.
A public adjuster represents the policyholder on a first-party property claim. We represent policyholders, not insurance companies. On an association claim, that is normally the association named as the insured on the master policy’s declarations page.
Wisconsin law requires a nonresident public adjuster to register with the Commissioner of Insurance before providing adjusting services in the state (Wis. Stat. 629.02(2)), and it defines a public adjuster as an individual (Wis. Stat. 629.01(5)). The Wisconsin Office of the Commissioner of Insurance states that “Wisconsin does not currently offer entity public adjuster registrations.” In Wisconsin, public adjuster services are provided by William J. Addis individually, registered public adjuster, WI registration #18667143. Resolution Claims Consulting, LLC is licensed as a public adjuster firm only in Colorado, Illinois, Minnesota and Rhode Island, and is not registered as a public adjuster in Wisconsin.
This page covers association property in Wisconsin.
Once the board signs a written public adjuster contract:
Each claim turns on its own facts and policy wording, and no particular result can be promised.
Hail and wind can damage roofs, siding, gutters, windows and other exterior parts of association buildings. Cause-of-loss documentation matters: a claim is reviewed against the policy wording and the facts of the loss, so boards and managers may want to keep the storm date, photos of each building and a list of what was damaged.
Some property policies have a separate deductible for wind or hail, and it can be written differently from the deductible for other losses. How any deductible applies depends on the exact policy wording.
For a building fire, the same records help: photos and a list of the units and common areas with fire or smoke damage. Whether smoke damage is covered depends on your policy's wording, deductibles, and exclusions — check your declarations page and policy form.
Wisconsin law says a public adjuster may not perform any adjusting service for an insured prior to entering into a contract with the insured, and the contract must be in writing and titled “Public Adjuster Contract” (Wis. Stat. 629.04(1)).
Wisconsin law lets the insured void a public adjuster contract no later than 5 business days after the contract’s execution (Wis. Stat. 629.04(3)). For legal questions, including deadlines to file suit, talk with a licensed attorney.
Wisconsin’s condominium law says insurance coverage shall be written on the property in the name of the association as trustee for each of the unit owners, and that insurance proceeds shall first be disbursed by the trustees for the repair or restoration of the damaged common elements (Wis. Stat. 703.17(1), (2)). Whether that section governs your community is a question for the association’s attorney.
You don't need to send these to us. A public adjuster reviews them only after a written contract is signed.
We represent policyholders, not insurance companies. On a master-policy claim, the policyholder is normally the association named on the declarations page, and that is who we would work for. Check the named insured on your own declarations page.
Who can sign contracts for the association is set by your governing documents and the board, not by us. Your board may want to confirm who has authority, for example by a recorded vote, before anyone signs. If you are unsure who has authority, ask the association's attorney. We are not attorneys and do not give legal advice.
That depends on the wording of the master policy and of your declaration and bylaws, which decide who insures which parts of the buildings. This page doesn't say what is covered for your community. For legal questions, talk to a licensed attorney in your state.
The master policy with its declarations page, every letter and estimate the insurance company has sent, photos and dates for each building, any roof or repair records you have, and the claim number if a claim is open. You don't need to send these to us. A public adjuster reviews them only after a written contract is signed.
If your policy has an appraisal provision, it usually describes a process for settling a disagreement about the amount of a loss. How it works depends on the exact policy wording. For legal questions, including deadlines to file suit, talk with a licensed attorney.
William J. Addis holds Wisconsin public adjuster Registration #18667143. Wisconsin law has the Commissioner of Insurance keep a list of registered public adjusters on the office's website (Wis. Stat. 629.02(1)). You can also use the NAIC State Based Systems lookup, and you should check any public adjuster before hiring one.
No. You don’t need a public adjuster to file a claim, and you can negotiate the claim directly with the insurance company. For fee terms, see your contract, which you review and sign before any work begins.
Under Wisconsin law, the insured may void a public adjuster contract no later than 5 business days after the contract’s execution, by sending notice by registered or certified mail, return receipt requested, to the public adjuster at the address on the contract or by personally serving notice on the public adjuster at the place of business identified on the contract (Wis. Stat. 629.04(3)). For legal questions, including deadlines to file suit, talk with a licensed attorney.
Yes. This page is general information for boards and managers working through a Wisconsin HOA hail claim, a condo wind damage claim in Wisconsin, or building fire and smoke damage. It does not say whether any damage is covered. Whether smoke damage is covered depends on your policy's wording, deductibles, and exclusions — check your declarations page and policy form. Cause-of-loss documentation matters.
We are not attorneys and do not give legal advice.
We represent policyholders, not insurance companies.
This page is general information, not an interpretation of your policy. You may negotiate your claim directly with your insurance company, and you may consult an attorney at any time. For insurance questions or complaints, contact the Wisconsin Office of the Commissioner of Insurance at 1-800-236-8517 (within Wisconsin) or 1-608-266-0103 (outside of Wisconsin), or through its complaint page at oci.wi.gov/Pages/Consumers/Filing-a-Complaint.aspx.
To reach William J. Addis, call (309) 883-1078 or email William@Resolutionclaims.org. Contacting us doesn't hire anyone or sign any contract.
We explain what a public adjuster does and doesn't do, and how the written contract, fees and your cancellation rights work. We don't review your policy, letters or claim until a written public adjuster contract is signed.
Registration facts on this page come from the following sources, checked November 3, 2026.
This page advertises public insurance adjusting services. In Wisconsin, public adjuster services are provided by William J. Addis individually, registered public adjuster, WI registration #18667143. Resolution Claims Consulting, LLC is not registered as a public adjuster in Wisconsin. We work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Fee terms are set out in a written contract that you review and sign before any work begins. Fees are paid by the insured and are subject to applicable state law.
This page shows no past results. Every claim is different, and the outcome depends on the policy language, the facts of the loss, applicable state law and the insurance company’s position.
William J. Addis, Individual NPN 18667143, Wisconsin public adjuster Registration #18667143. Resolution Claims Consulting, LLC is not registered as a public adjuster in Wisconsin. Check the registration through the Wisconsin Office of the Commissioner of Insurance or the NAIC State Based Systems lookup.
For insurance questions or complaints, contact the Wisconsin Office of the Commissioner of Insurance at 1-800-236-8517 (within Wisconsin) or 1-608-266-0103 (outside of Wisconsin), or through its complaint page at oci.wi.gov/Pages/Consumers/Filing-a-Complaint.aspx.