A Comprehensive Guide to Storm Restoration Roofing Supplements!

Homeowners face a lot of challenges after a storm damages their roof. The process of getting everything back to normal can feel overwhelming. One of the most critical steps in this journey is ensuring that your insurance claim covers all necessary repairs. That’s where storm restoration roofing supplements and Xactimate estimate supplements come into play.

Let’s go through what these supplements are, why they matter, and how CTT Claims can help you navigate the process.

What Are Storm Restoration Roofing Supplements?

When storms damage your roof, an insurance adjuster assesses the situation and provides an estimate for repairs. However, unforeseen issues can arise once work begins. A roofing supplement is a request for additional funds from your insurance company to cover costs not included in the original estimate, such as hidden damages or material price changes. This ensures your roof is fully restored without unexpected out-of-pocket expenses.

Why Do You Need Roofing Supplements?

You might wonder why supplements are necessary in the first place. Here’s the thing: insurance adjusters are often working on tight deadlines and may not have specialized roofing knowledge. While their initial inspection is a good starting point, it’s not always thorough. Once the contractors begin their work, they might discover hidden damages or issues that were missed.

How Do Roofing Supplements Work?

The process of submitting a roofing supplement is relatively straightforward, but it does require attention to detail. Here’s how we handle it at CTT Claims:

• Initial Inspection: After the storm, we conduct a detailed inspection to assess the full extent of the damage.
• Document Everything: We take photos, videos, and notes of every issue we find, including those missed by the adjuster.
• Submit a Supplement: We submit an Xactimate estimate supplement to your insurance company, detailing the additional work required.
• Negotiate: Insurance companies don’t always agree right away. That’s where our experience comes in. We negotiate on your behalf to ensure you get the compensation needed for a complete restoration.
• Follow-up: We stay in touch with both you and the insurance company throughout the process, ensuring a smooth and hassle-free experience.

Common Reasons for Roofing Supplements

There are several reasons why roofing supplements might be necessary. Here are a few examples we often come across:

• Hidden Water Damage: Once we pull off the old roofing, we might discover water damage that wasn’t visible during the initial inspection.
• Code Upgrades: Sometimes local building codes require certain upgrades during the restoration process, like improved ventilation or specific underlayment. If the original estimate didn’t account for these, a supplement will be needed.
• Material Price Increases: The cost of roofing materials can fluctuate, especially after a storm. If prices have increased since the initial estimate, we’ll submit a supplement to cover the difference.
• Additional Labor: If extra labor is needed due to unexpected complications, this cost can be added through a supplement as well.

Storm damage can be stressful, but dealing with insurance doesn’t have to be. With the right team by your side, you can rest easy knowing your roofing project will be handled with care.

At CTT Claims, we offer comprehensive services, including Xactimate supplement services, to ensure that happens.