HUT Services

Insurance Claim Supplements for Roofs – What Are They?

Insurance Claim Supplements for Roofs – What Are They?

The Supplement claim process for roof work can be confusing. The Supplement process involves Shingle Hut Complete Roofing Services preparing an estimate utilizing the same estimation software that is used by insurance companies. Shingle Hut Complete Roofing Services will only add the appropriate, missing and necessary scope of work items that the insurance company left off their original estimate. A supplement is a charge, or charges, that need to be added to a claim for items omitted, overlooked, under paid or discovered after work begins. Supplementing a claim is allowable and insurance companies prefer to get notification of supplementation requests early vs later in a project.

Sometimes when installing a roof, Shingle Hut Complete Roofing Services may not wait on insurance approval for a supplement but will do the work needed to finish the roof repair or replacement and, then after the roof is complete, file a supplemental claim. This is not out of the ordinary since contractors do not want to leave your roof open and risk additional damage due to exposure to the elements.

Shingle Hut Complete Roofing Services will work with your insurance company to present the items for supplementation. We will identify each additional scope of work item to be supplemented.

Once the insurance company approves a supplement claim, you will receive a notification and a revised “Summary of Estimate” document from your insurance company.

Supplement claims and request procedures are noted in the homeowner’s insurance adjustment documentation. Shingle Hut is entitled to all supplement funds granted by and paid for by the insurance company. Supplements may be requested in the event of an inaccurate scope of work or hidden condition and will not impact the homeowner’s obligation to agreed upon contracted price.


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