What is a supplement on a roof insurance claim?
A supplement is a request to add work to the insurance company’s original estimate when that estimate left something out. Supplements are a normal part of many roof claims, and they are submitted with photos and documentation.
Why the first estimate can miss items
After a large storm, adjusters inspect many properties in a short time. Some damage and some required work only becomes clear once the roof is measured closely or the old roofing is removed.
When that happens, the estimate can be updated with documentation of the additional work.
Items that are commonly added
Additional layers of shingles that have to be removed.
Charges for steep or tall roofs, which take extra equipment and time.
Damage to detached structures such as a garage, shed or patio cover.
Work required by current building codes.
How a supplement is submitted
A supplement is submitted with photos, measurements and line-item pricing so the insurance company can compare it with the original estimate. Some items, such as damaged decking, can only be documented once the roof is open.
We document storm damage with photos and provide an accurate scope of work estimate for your insurance company.
Frequently Asked Questions
Will a supplement upset my insurance company?
No. Insurance companies handle supplements regularly, and clear documentation helps the process go smoothly.
Does a supplement change my deductible?
No. Your deductible is set by your policy and does not change when the estimate is updated.
How long does a supplement take?
It depends on the insurance company and how busy they are after a storm. Complete documentation helps.
