Why Do Some Adjusters Give Low Prices on Estimates and How You Can Counter Them
Some adjusters lowball estimates to save insurance companies money—learn how to spot it and fight back to get paid what you’re owed.
Stop leaving money on the table. Our experts distill complex insurance claim supplements, underpaid estimates, and denial strategies into actionable guides designed to help independent contractors and restorers maximize project payouts and focus on their business.

Some adjusters lowball estimates to save insurance companies money—learn how to spot it and fight back to get paid what you’re owed.

For both homeowners and contractors, dealing with water damage can be overwhelming, especially when it comes to navigating the water damage insurance claim process. Many claims end up underpaid or denied simply because of incomplete documentation, unclear communication, or missed details in the initial estimate.

Insurance claim supplements are one of the most misunderstood parts of the property restoration process. The confusion, in our opinion, often comes down to the term itself; supplement can make it sound like an optional add-on, when in fact, it’s a critical step to correct an incomplete or underpaid insurance claim. Many property owners, and even some contractors, don’t realize that supplements exist to ensure every legitimate repair cost is properly covered, not to inflate the claim.

We’re here to help you understand why underpaid hail damage insurance claims happen so often and walk you through the steps to dispute them. At Claim Supplement Pro, we specialize in helping contractors and property owners recover the full amount they’re entitled to for repairs.

The cleanup after water damage strikes is a whole lot of work–but finding out, on top of that, that your insurance claim has been denied can take things to a catastrophic level. However, a denied water damage claim leading to stalled projects and financial pressure is not something you have to accept.

The good news is, you’re not stuck with that initial payout. Underpaid claims are common, but so is challenging and correcting them. We’ll explain why this happens, how you can fix it, and the role of supplement specialists in your recovery of the full amount of what you’re owed.

Why do any of us pay for insurance? It’s so that when life throws stressful, unexpected situations our way, at least we don’t have to worry about the financial side of it. Unfortunately, having your insurance claim denied or only partially approved is a scenario that happens far more often than most people imagine.

When a fire damages a property, the destruction that can be seen at first sight is unfortunately just the beginning. Smoke seeps into walls, water from firefighting efforts causes secondary damage, and structural repairs must meet strict safety codes. For contractors, restoration companies, and fire repair specialists, these claims are rarely straightforward.

As if a hurricane tearing through your property isn’t disastrous enough, filing a claim that should enable you to cover the full cost of repairs is, unfortunately, often a whole new disaster in itself. An insurance settlement offer can come in thousands below what’s needed to rebuild, leaving you with triple the damage: property damage decorated with financial and emotional costs.

Everybody makes mistakes, especially when it comes to navigating commercial claims. Even a seasoned contractor like yourself can make them when handling the red tape complexities involved in many damage claims, and these mistakes can cost you a lot of time and money.

Water damage can be one of the most disruptive and expensive events a homeowner faces. From soaked drywall to swollen cabinets and rotted subflooring, the damage is often worse than it first appears. Yet even when the policy covers the cause, many insurance payouts fall short of covering the full cost of repairs.

In this guide, we’re breaking down the key differences between residential and commercial insurance supplements, not in theory, but in ways that genuinely matter when you’re out there trying to get paid. Whether you’re juggling scopes or documentation, this is the stuff you need to move faster and with fewer headaches.

An underpaid roof insurance claim occurs when the settlement amount doesn’t fully cover the true cost of restoring the roof to its pre-loss condition. For property owners, this can mean unexpected out-of-pocket costs. For contractors, it may mean absorbing costs or facing project delays while negotiating supplements.

