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.

Anyone who works on roofs long enough has seen this moment. You open the insurance estimate, and you can’t avoid the feeling that something feels off. On one side, measurements look thin. On the other, required code items never made it onto the page. Once the crew shows up, those gaps turn into real problems because the roof needs labor and materials that the carrier never priced. You can feel it right away when the payout can’t support a proper replacement, and you should trust that feeling.

On September 4, 2025, Claim Supplement Pro had the honor of attending and sponsoring the RSCA (Roofing & Siding Contractors Alliance) Golf Event at Forest Park in St. Louis, Missouri. What made the day stand out wasn’t just the beautiful setting or the friendly competition, but the way contractors, owners, and industry partners came together around shared experiences, open dialogue, and a strong sense of community.

One day, it’s business as usual–and the next, a pipe bursts or the aging infrastructure fails. Suddenly, part of the premises is underwater. Water damage is usually sudden, painful, and prone to cause even more problems along the way if not taken care of in time. What makes these cases even more problematic is the complexity of commercial water damage claims for business owners, mitigation specialists, and property managers alike. Most likely, none of them are insurance experts, and that’s why the claim process can easily become a headache.

If there’s one type of property claim that routinely falls short, it’s a water damage insurance claim. These claims are known for being rushed, underpriced, or denied outright, often leaving property owners and restoration teams covering costs the carrier should have paid.

Where there is moisture, there is mold. It has a way of sneaking into a property after the water itself is gone, turning a simple dry-out into a much bigger problem. It spreads quietly, hides well, and shows up at the worst possible time, usually right when you think everything is getting taken care of and the claim is moving forward. That’s why mold is one of the biggest reasons water damage claims get delayed, trimmed down, or written off entirely, even when the evidence is right there.

In this guide, we walk you through wind damage claims from start to finish, highlighting common oversights and showing how careful supplementing can serve as your wind of change by ensuring every legitimate repair is accounted for.

This guide will help you identify both obvious and hidden signs of smoke damage, navigate the insurance claim process, and avoid underpaid or missed claims. Claim Supplement Pro specializes in fire damage insurance claim supplements, helping contractors and property owners recover the full value of their smoke and fire damage claims. Let’s make sure together that nothing goes overlooked.

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.

