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What's an Insurance Supplement?

Oftentimes contractors need to go back to your insurance company and ask for an amount higher than the original estimate. In the case of roofers, sometimes they submit what is called a supplement-which are charges that need to be added to a claim. This isn't uncommon and your insurance desk adjuster will be expecting it.


Let's go through some common reasons for cost discrepancies in a roof replacement. Rotten wood - This is something we discover during the installation process not before. Technically, an insurance company wouldn't have to cover rotten wood on a wind claim however a proper nail-able surface is necessary to correctly replace a roof, otherwise you'll risk having a new roof fail on you and when you file a new claim down the road the insurance company can point to poor installation and not pay your new claim. Multiple layers - Frequently we find more layers of shingles to tear off than we were anticipating and that adds to our expenses (labor, hauling, dump fees, etc.).  Gutter damage - Sometimes the way the gutters were originally installed make it impossible for us to keep them intact during roof removal and installation.  Siding - Even siding can become compromised during a roof replacement depending on how the step flashing is intertwined.  These are just a few common examples of why a roofing contractor would submit a supplement to your insurance company. At Armour Roofing and Restoration, unless you're asking for an upgrade or you are lacking some sort of code coverage, no matter the supplement, your only out of pocket expense is your deductible.