Supplements, made simple
A supplement adds what the insurance company's first estimate left out. Here is what that means for your roof.
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What a supplement is
When your claim is approved, your insurance company sends a scope of loss: the line-by-line estimate of what they are paying for. A supplement is anything that was not on that original scope of loss but needs to be for the job to be done right.
Why it happens
Many adjusters are not construction experts. Some have never worked in construction or roofing at all. So the first estimate can leave out items a roofing job needs, and those get added through a supplement.
How it works with Patriot Roofing
- You ask your insurance company for the scope of loss estimate and send it to your Roofing Specialist.
- Your specialist audits it line by line against what your roof actually needs and goes over your options with you.
- We send the missing items to your insurance company with our detailed estimate and work with them to get those items paid for. The insurer decides what it approves.
- The main supplement usually takes 21 to 30 days. Smaller items can be worked on as the job goes on.
Why you may get several checks
Supplements are approved in stages, so you may get three or four insurance checks. If your mortgage company is named on a check, call them right away, ask how they want it sent, and send it the way they require. We recommend overnight delivery with tracking. The last of the money is usually released after the job, once the signed certificate of completion goes to your adjuster.
Supplement questions
What is an insurance supplement on a roof claim?
A request to add items that belong on the job but are not on the insurance company's original scope of loss. The roofer submits them with a detailed estimate, and the insurer decides whether to approve them.
Why are items missing from the scope of loss?
Many adjusters are not construction experts, and some have never worked in roofing, so items a roofing job needs can be left off the first estimate.
How long does a supplement take?
The main supplement usually takes 21 to 30 days. Smaller items can be worked on as the job goes on.
Do I have to do anything for the supplement?
Send your scope of loss to your Roofing Specialist, then watch for insurance checks. If your mortgage company is named on a check, send it to them right away the way they require.
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Financing available, with approved credit
$0 down, 0% financing for 12 months, or payments of about $176 a month on $15,000 at 12.99% APR for 240 months. Soft credit check, approval in as little as 60 seconds.
Financing is with approved credit. Promotional rates and terms are not guaranteed and can change at any time. Payment example: $15,000 financed with $0 down at 12.99% APR for 240 months is 240 monthly payments of $175.63. 0% financing for 12 months is a promotional offer from the lender; the terms that apply after the promotional period are set by the lender. We work with more than one lending partner, and the rates and terms you are offered are set by the lender you are approved with, not by Patriot Roofing and Restoration. All rates and terms are presented to you in writing before you sign anything.