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Achieving Code-Compliant Insulation Coverage for a Commercial Hail Claim: $289K Increase Over Original Estimate

After a hail event impacted a commercial property owned by Tom Brinkoetter & Co., Realtors, the initial insurance estimate did not warrant the required roof insulation. The scope failed to account for the code-required materials needed across two commercial buildings.

Through a detailed insurance claim supplement supported by measurements, code documentation, and inspection findings, the scope was corrected to reflect the actual restoration requirements through a $289,329.62 increase for a multi-building property.

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Commercial hail claim showing code-compliant insulation coverage resulting in a $289K insurance increase
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Project Overview

Property Type: Commercial
Trade Involved: Roofing
Cause of Loss: Hail

 

The loss affected two separate commercial buildings. However, the insurance carrier initially did not warrant ISO insulation for the affected area.

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The Original Insurance Estimate

Original Estimate Amount for the ISO boards: $0

 

No items were included in the original scope.

 

Missing or Underpaid Items

 

The original estimate excluded substantial ISO insulation, including:

 

  • 135.73 SQ of ISO board (2″)
  • 57.24 SQ of ISO board (1 ½”)
  • 1 SQ of ISO board (3.2″)
  • 1 SQ of ISO board (4″)
  • other miscellaneous repairs necessary to install ISO boards

 

Despite two commercial buildings being involved, insulation was not originally warranted, leaving large sections underscoped.

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Why Full ISO Insulation Approval Was Required

The request for full insulation coverage was supported by the fact that the insurance scope of loss was not aligned with the current building standards. The multiple affected roofing systems across two buildings called for code-required insulation upgrades.

 

To restore the property to a compliant, pre-loss condition, full insulation approval was necessary.

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Scope & Approval

Thorough documentation supported the need for:

 

  • Full approval of ISO insulation across affected areas
  • Additional miscellaneous roofing repairs

 

Total Amount Requested for the ISO Boards and miscellaneous repairs: $216,337.91

Total Amount Approved for the ISO Boards and miscellaneous repairs: $289,329.62

 

Note: The approved amount exceeded the total requested, covering all necessary repairs, including code-compliant insulation upgrades and key structural items.

 

Supporting Documentation Provided:

 

  • Pre-loss, during, and post-loss photos
  • Inspection photos of hidden damage
  • Measurement reports
  • Code documentation
  • Adjuster communication

 

This documentation established a clear, defensible basis for correcting the initial scope.

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Final Results & Impact

Final Claim Value Achieved for the ISO Boards: $289,329.62

Original Estimate for the ISO boards: $0

Total Increase Over Original Estimate for the ISO boards: $289,329.62

 

Final claim value reached 34% over the requested amount for the ISO board approval.

 

Outcome:

 

  • Full, code-compliant insulation coverage approved
  • An accurate scope applied across both commercial buildings
  • Proper restoration aligned with industry and code standards

Don’t Settle on the Initial Scope When It Comes to Commercial Claims, Secure Full Coverage

Critical line items or code-required upgrades being left out leave your commercial property under-restored. However, insurers not warranting the necessary work does not have to be the end of your story. Our team specializes in helping property owners and contractors recover all costs by providing thorough documentation, code compliance evidence, and carrier-ready claim supplements. Contact Claim Supplement Pro today to make sure every repair your commercial building needs is included in your insurance payout.

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What Contractors Say About Our Services

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Devin K.
21:43 06 Nov 25
I had a great experience with this company. They really made me feel comfortable by walking me through the process. They did a great job with supplementing my roof job and pulled in alot of extra money. Vladimir and Mandy were great to work with. I couldnt imagine anyone else doing a more thorough job. Thanks guys!
Daniel O.
15:21 27 Oct 25
I've been working with Claim Supplement Pro for the better part of a year and have been impressed with their professionalism and efficiency. Additionally, they are knowledgeable in their review process. Highly recommended
Kruna P.
13:23 15 Oct 25
Working with this team was an outstanding experience. From day one they showed professionalism, transparency, and genuine dedication. They quickly understood our goals, proposed thoughtful improvements, and kept us updated at every step. The outcome exceeded expectations, both in quality and timing. Communication was clear, fast, and proactive, which made the entire process smooth and stress-free. I would gladly work with them again and recommend them to anyone looking for a reliable partner.
Julie L.
06:41 25 Sep 25
Working with Claims Supplement Pro has been a wonderful experience. We’ve been working with this company for a while, they are very helpful with the estimates, invoices and processing the claims. The team is amazing, knowledgeable, professional and friendly. Thank you Mandy and Vlad. Highly recommend this company.
Vincent S.
18:25 08 Jul 25
We provide water damage mitigation services and we have used claim supplement pro several times now. I would highly recommend working with this company because they reduced the work load and made it much easier to process insurance claims. All of their staff is super friendly and pay attention to detail. Thank you for your outstanding support!

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