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  • Writer's pictureElite Roofing

Why You Should Supplement Your Insurance Claim

Updated: Mar 8, 2023

If you've ever filed an insurance claim, you know the drill. The insurance adjuster comes out, takes a look at the damage, and gives you a settlement offer. In most cases, that settlement is less than what you need to fully repair the damage. That's where supplementing comes in.


Supplementing is the process of adding money to your insurance claim to cover the full cost of repairs. It's important for a few reasons. First, it ensures that your repairs are done correctly and completely. Second, it protects your investment in your home. And third, it can help you avoid financial hardship down the road. Let's take a closer look at each of these reasons in turn.



The Importance of Getting Your Repairs Done Right

When you supplement your insurance claim, you're essentially paying for peace of mind. You know that the job will be done right, and you won't have to worry about future problems stemming from shoddy workmanship.


For example, let's say your roof is damaged in a storm. The insurance company sends out an adjuster who determines that it will cost $5,000 to replace the roof. The insurance company offers you a $3,000 settlement, which means you'll have to pay $2,000 out of pocket to get the roof replaced.


You could take the money and run—but then you run the risk of hiring a fly-by-night contractor who does a subpar job. If the roof isn't installed correctly, you could end up with leaks or other problems down the road. Those problems will be expensive to fix, and they could have been avoided if you had supplemented your claim and paid to have the roof done right from the start.


The bottom line is that when it comes to your home, it's always worth paying a little extra to do things right the first time around. Supplementing your insurance claim is one way to do that.


Protecting Your Investment

Your home is likely one of your biggest investments—so it makes sense to protect it as much as possible. When disaster strikes and damage occurs, supplementing your insurance claim is one way to do just that.


For example, let's say a severe storm blows through town and damages 100 homes in your neighborhood—including yours. The average repair bill for each home is $10,000, but your insurer only offers settlements of $7,500 per home. If everyone takes the money and runs, they'll only be able to make cosmetic repairs—the structural damage will go unaddressed.


But if everyone supplements their claims by chipping in an extra $2,500 each, they'll be able to make all the necessary repairs—not just cosmetic ones—and fully restore their homes to their pre-storm condition. In other words, by supplementing their claims, homeowners will be able to protect their investments and maintain (or even increase) their homes' value.


Avoid Financial Hardship Down the Road

Another important reason to supplement your insurance claim is that it can help you avoid financial hardship down the road. Let's say, for example, that your home is severely damaged in a fire. The repairs are going to cost $30,000, but your insurer only offers you a $20,000 settlement. You could take the money and run — but then you'd have to find a way to come up with an additional $ 10, 000 to pay for repairs.


Finding that kind of money can be difficult — especially if you don 't have savings or access to credit. So instead of putting yourself in a difficult financial situation, it's often better to supplement your claim now so that you can get the repairs done without having to worry about how you're going pay for them.



In conclusion, there are several good reasons why you should supplement your insurance claim. By doing so, you can ensure that your repairs are done correctly; protect your investment in your home; and avoid financial hardship down the road. So if you 're ever faced with an insurance settlement that doesn't cover all of your repair costs, don 't hesitate to contact Elite Roofing LLC at 713-804-7663 to supplement your claim— it may be one of the best decisions you ever make.




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