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 something was missed or is found later. Supplements are a normal part of many roof claims.
Why the first estimate can change
After a large storm, an insurance adjuster may inspect several properties in a day. Some items are hard to see during a quick inspection, and some cannot be seen until the old roof is removed.
Insurance companies expect estimates to be updated when there is documentation to support the change.
What is often added
Additional layers. An estimate written for one layer of shingles will be short if the roof has two.
Steep or high roofs. Steep pitches and two-story roofs need extra equipment and time, which are separate line items.
Detached structures. A detached garage, shed or patio cover may have been damaged by the same storm.
Code requirements. Building codes can require items the original roof did not have. Some policies cover these under ordinance or law coverage.
How a supplement is filed
A supplement is filed with documentation, such as photos, measurements and itemized pricing, so the insurance company can compare it with the original estimate.
Some supplements can only be filed once the roof is open, such as damaged decking found during the tear-off.
Frequently Asked Questions
Will a supplement cause problems with my insurance company?
No. Supplements are a routine part of the claims process when they are supported by documentation.
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 it move faster.
