Recovering $6,057 in Hidden Damage and Code Upgrades on a Residential Roof Claim
When a residential homeowner’s contractor began a full roof replacement, they discovered 31 sheets of damaged plywood sheathing and 6 boards that weren’t in the original insurance estimate. On top of that, the scope did not include several key components such as gutters, hip/ridge cap, and adequate debris removal. It also lacked full coverage of the building code upgrade section valued at $4,289.
After reviewing the claim, our team submitted a detailed insurance claim supplement. The homeowner received an additional $6,057 in approved coverage, a 40% increase, allowing the roof to be restored to code-compliant standards while ensuring the contractor was compensated for the actual work performed.
From Underpaid to Fully Funded: The Supplement Breakdown
Initial carrier estimates often miss hidden damage and code-required upgrades that only surface once the tear-off begins. Below is a side-by-side look at how detailed documentation and a full building code section turned an underpaid scope into a fully funded roof replacement.
Initial Carrier Estimate
(The Underpaid Scope)
| AA-Dwelling | BC-Building Codes | Combined | |
|---|---|---|---|
| Line Item Total | $14,761.68 | — | $14,761.68 |
| Material Sales Tax | $509.57 | — | $509.57 |
| Replacement Cost Value | $15,271.25 | $0.00 | $15,271.25 |
CSP Optimized Result
(The Supplement Win)
| AA-Dwelling | BC-Building Codes | Combined | |
|---|---|---|---|
| Line Item Total | $16,498.92 | $4,197.81 | $20,696.73 |
| Material Sales Tax | $539.65 | $91.66 | $631.31 |
| Replacement Cost Value | $17,038.57 | $4,289.47 | $21,328.04 |
Is Your Roofing Estimate Missing Code-Required Items? We Can Help You Recover What You’re Owed
In this case, most of the approved supplements came from building code upgrades and hidden sheathing damage that weren’t reflected in the original estimate. Initial scopes often focus on visible damage, leaving code-required items and tear-off discoveries unaddressed, and contractors are left to absorb the cost. Our team reviews estimates line by line, builds code-compliant Xactimate supplements, and negotiates with adjusters so contractors get paid for the work the job actually requires. Request a claim review to see what your estimate might be missing.
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