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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, 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.

Chart-Line-Up

From an Unwarranted Scope to Full Insulation Coverage

The original carrier estimate did not warrant any ISO insulation across the two affected commercial buildings. Below is a side-by-side look at the insulation scope before and after a detailed supplement supported by measurements, code documentation, and inspection findings brought the estimate in line with code-required restoration.

Initial Carrier Estimate
(The Underpaid Scope)

ISO Insulation Scope — Two Buildings
Original Estimate (ISO Insulation)$0.00

CSP Optimized Result
(The Supplement Win)

ISO Insulation Scope — Two Buildings
Final Approved Value (ISO Insulation)$289,329.62
Total Increase Over Original$289,329.62
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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Business people communicate about the underpaid insurance claim.

What Contractors Say About Our Services

Claim Supplement Pro
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PopArt N.
07:09 02 Apr 26
We’ve had a very positive experience working with Vlad and his team. He is very professional, detail-oriented, and consistently easy to work with. His friendly approach makes collaboration smooth, and his dedication shows in every part of the process. He is always willing to go above and beyond to help move things forward, which makes him a truly valuable partner.
Roofing Capital L.
13:47 28 Mar 26
Vlad and his team are amazing! I’ve been working with them since the start of the company they are quick, professional, detailed and patient since the start! I’m glad we decided to do business an continue for the years to come with Vlad and wonderful his team
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!

Discover Our Claim Supplement Expertise

As Supplement Experts, we offer expert advice and assistance in insurance supplementation for residential and commercial roofing projects

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Don’t let missing items or low estimates eat into your time and your paycheck. With accurate supplements and solid documentation, you’ll get paid what your roofing work is truly worth.

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Too many siding claims leave money behind because the damage isn’t documented clearly. Avoid that scenario with accurate estimates, proper backup, and support that gets your supplements approved faster.

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Fence damage claims can be tricky. We help make sure all repairs are properly documented, so you can secure the full compensation needed to complete the work.

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Missed line items and vague estimates shouldn’t eat into your profits. We dig into the details, align with insurance carrier expectations, and make sure every bit of your residential work is backed by the numbers to get it approved.

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Commercial claims are too valuable to leave underpaid. We identify missing items, document every detail, and fight to get you paid fully for your commercial restoration work so that you can move forward without costly delays.

Fire Supplements

Initial insurance estimates often miss the full extent of fire-related damage. We deliver claim-ready supplements that reflect the true scope of repairs, so you can move forward with confidence and get paid what the job is really worth.

Water Mitigation & Flood Supplements

Flood cleanup is tough enough without chasing underpaid claims. If your estimate doesn’t match the real work needed to dry out, clean up, and restore the property, we’ll step in to help you recover the difference.

Estimating Services

Your time is valuable; every missed line item is money left on the table. With Claim Supplement Pro, you get fair and accurate supplemental estimates that help you close claims faster—and for the full amount you’re entitled to.
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