Roof Insurance Supplements: Getting Paid for What Was Missed

Why You Might Need a Supplement

Initial insurance estimates often miss items or underprice the true cost of repair. Whether it's hidden damage found during the tear-off, rising material costs, or items the adjuster simply overlooked, a supplement claim helps ensure the insurance company covers the full cost to restore your roof properly.

• Flashing & Drip Edge: Often overlooked but essential for a watertight seal and proper drainage.
• Underlayment: Insurers sometimes estimate for basic underlayment when premium or synthetic is required.
• Ventilation: Proper ridge vents or other ventilation components are frequently missed.
• Code-Required Upgrades: Local building codes may require specific upgrades that aren't on the initial estimate.
• Matching Materials: The cost to properly match existing materials on partial repairs can be underestimated.

Filing a supplement is a standard part of the insurance claim process. Here is how it typically works:

• Documentation: The contractor documents the missed items or hidden damage with clear photos and detailed descriptions.
• Detailed Estimate: A revised, itemized estimate is prepared showing the exact costs for the additional work.
• Submission & Review: The supplement request is submitted to the insurance company, where the adjuster reviews the new evidence and responds with an updated approval.

We handle the heavy lifting to ensure your roof is repaired correctly without you paying out of pocket for the insurer's oversights:

• Thorough Documentation: We take comprehensive photos before, during, and after the project to prove what was missed.
• Writing Supplement Requests: We write detailed, professional supplement requests using industry-standard software.
• Following Up: We communicate directly with the insurance adjuster to explain the need for the supplement and keep the process moving.

Note: While we advocate strongly for our clients, we cannot guarantee specific outcomes or dollar amounts from your insurance company.

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