Finding roof damage after a strong storm starts the overwhelming process of dealing with your insurance company. Your insurance company will guide you through the beginning stages of the process and send out an adjuster to inspect your roof.
If your claim is approved, you’ll get an insurance estimate for the scope of work your insurance company will pay for. But like all humans, insurance adjusters make mistakes and leave important things off your estimate.
That’s where your roofing contractor comes in and does something called supplementing. But why is it important?
Because the insurance process can be confusing and, if you haven’t been through it before, overwhelming, we’re going to break it down for you.
Since 1990, the squad at Hunter Roofing has helped homeowners surrounding the Springfield area with their insurance claims. Our expertise and experience ensure you get everything your roof needs from the insurance company. Because of this, we’ve been called the insurance experts in Springfield.
Why your roof insurance claim needs to be supplemented
Once your insurance company approves your claim, they’ll give you a claim estimate for the scope of work required to replace your roof back to the way it was before the storm hit.
The unfortunate truth is most insurance adjusters leave line items off the claim estimates they give to homeowners. Sometimes they even leave off crucial code upgrades required to ensure your roof is up to code in compliance with your state.
When an insurance adjuster leaves something off your estimate, they aren’t giving you enough money to do the job. If this happens (and it happens a lot), your insurance claim must be supplemented.
Supplementing your insurance claim means your roofing contractor fights for you to ensure every line item (including local codes) your roof needs is covered by the insurance company. If a roofing contractor isn’t willing to do this or doesn’t know how to, don’t even think about hiring them.
Some insurance companies might give your roofer some pushback on supplementing. We are willing to fight for you and know how to deal with insurance adjusters, your roof will get everything it needs.
3 Things to do if you have an insurance claim for roof damage
Now you know why your insurance claim needs to be supplemented. But there are some things you need to do to ensure the insurance process goes as smoothly as possible.