Insurance Supplements, What Are They? Why Do They Matter?
What Is Insurance Supplementing?
If you live in a state like North Carolina that is prone to hurricanes and tropical storms, you must know the damage restoration process and all it entails. Insurance companies try to mirage loss as quickly and efficiently as possible. As a result, you may walk away from thousands of dollars that could have helped you repair your property, or you may have out-of-pocket expenses for repairs in addition to your deductible.
One of the ways you can avoid this is by filing insurance supplements. In this article, we are going to discuss everything you need to know about insurance supplements, including what insurance supplementing is, how claim supplements work, and why you need a reliable and knowledgeable contractor to help you with this process.
Insurance Supplementing
Insurance supplementing refers to filing additional insurance claims after an insurance company has already provided you with an estimate to cover the damage incurred. Whether this is to file for damages that you previously didn’t know about or to dispute underpaid claims, this is an important part of the claims process and can save you hundreds or thousands of dollars in out-of-pocket repair bills.
How Does Insurance Supplementing Work?
When a storm or other damaging event has happened, an insurance adjuster is sent to your property to assess the damage and come up with an estimate for repairs. Many individuals think of this as the final figure, but this could not be further from the truth. This estimate can be disputed and claim supplements can be added.
Knowledgeable contractors know this and create their own estimates so that they can compare those against the insurance agency’s estimate and check for discrepancies. The insurance supplementing process consists of these discrepancies being addressed before repairs take place. However, it should be noted that in some cases, damage is come across during construction. It’s still not too late to file a supplemental claim and any additional damage can be reported as discovered.
Work With an Ethical and Knowledgeable Roofing Contractor
Most people lose out on a lot of money because they hire contractors who are either unethical or not knowledgeable about insurance supplementing. They can take advantage of the vulnerable customer in a number of ways, including billing the customer for additional repairs instead of filing supplemental claims or simply ignoring additional damage and only fixing what the claim amount includes.
An ethical and knowledgeable roofing contractor not only documents the damage but also helps you work through the supplement process. Hiring such a contractor is of the utmost importance, especially if you live in communities like Emerald Isle and Morehead City, where hurricanes and heavy storms are the norm. In areas like this, ignoring additional damage isn’t just irresponsible – it is dangerous and can lead to deadly consequences.
How Fortitude Roofing Company Will Help
At Fortitude Roofing Company, we believe that no corners should be cut. We remember the recent devastation from Hurrican Florence in 2018. That’s why we go above and beyond to ensure that your insurance carrier approves the supplement claims and get you the maximum coverage possible. We are local to the coastal towns of North Carolina and know how dangerous storms and other extreme weather conditions can be. That is exactly why we treat your home as our own and try to get you the best possible deal.
We ensure that all damage is addressed and do not compromise on the quality of our work or the materials we use to complete it. If you’re in North Carolina and need roof repairs, Fortitude Roofing Company can help. We specialize in FORTIFIED Roof Replacement and are listed with the NCJUA "Strengthen Your Roof" program. If you'd like to know the cost of a Fortified Metal Roof Replacement or Fortified Shingle Roof Replacement, please call us at 252-515-1016 for a free estimate.
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