A supplement estimate is a tool used by contractors to show property insurance carriers that there are more extensive damages to a property than what was listed on the original claim paperwork prepared by the adjuster. It is a comprehensive estimate of repairs needed after highly qualified and reputable contractors have assessed the losses to the property. 

Insurance normally requires 7 to 10 business days to review a supplement and send a revised claim. Elevation Estimating guarantees getting the supplement request to insurance within 2 days of a complete submission and will follow up on the submission multiple times weekly to expedite the process. However, when adjustors encounter a backlog due to a major storm event, the insurance review process can take 30 days at the minimum.

Absolutely! The insurance company will not approve supplement requests without the evidence to back them up. Taking clear photos at the time of inspection as well as during the tear off and at completion are vital to getting a supplement approved.

The homeowner should always be aware of what is happening with their property and their insurance company. Simply communicate with them from the time of the initial meeting that an insurance supplement may be required for the roof installation to be accurately paid for. Clearly communicate with them that a supplement’s purpose is to request missed materials and labor, changes in material pricing from the time of the adjustor’s assessment, and code items that may only be paid for when the cost is incurred.

No. Insurance supplements are a common process that most adjustors expect as part of the claims process. Most insurance adjusters are not trained experts in any particular contracting field and may come from out of state and not be fully familiar with local codes or pricing. An insurance supplement simply lists adjustments that need to be made to fix any errors or omissions.

Absolutely! Roofing is where we got started. The number of trades we can supplement has increased, but roof claims were the first we worked on. Whether it be asphalt shingles, tile, or metal, even rubber and membrane roofs, we are experts in roof supplements.

Yes we can! Having a well written and supported estimate, expertly curated with photos and code information, helps to present a convincing case to the insurance to over turn a denied claim. Often claims are denied because the adjuster is not capable of seeing what damage exists after a peril.

Most insurance carriers use Xactimate™ to write their homeowner’s claims. A professional supplement writer, like Elevation Estimating, LLC, will have well qualified and certified Xactimate users to ensure the most complete and correct supplements. There is a lot to navigate in the Xactimate software, the proper line items will make all the difference in getting paid for the work and materials needed for any repair. A professional supplement writer will know exactly what to put on that estimate to cover the job needs.