Dealing with storm damage or unexpected home repairs can be stressful enough without having to navigate the insurance claims process. For many homeowners in St. Louis and the surrounding areas, one of the most confusing parts of that process is something called an insurance supplement.

At Exterior Building Solutions (EBS), we often receive questions about what supplements are, why they’re needed, and whether they affect a homeowner’s out of pocket costs. In this article, we’ll break down the top five most frequently asked questions about insurance supplements, with insights from our very own Josh Knese, a trusted St. Louis roofing and siding expert.

What Is an Insurance Supplement?

An insurance supplement is essentially an adjustment to the original claim settlement provided by your insurance company. While adjusters work hard, they’re often tasked with inspecting 10 to 12 homes a day, which means not every detail of your damage may be documented or properly estimated.

According to Josh Knese of Exterior Building Solutions:

“What a supplement is, is we are going to come in behind them. We are going to perform our own thorough inspection, and we are going to provide a report to that insurance company with either items that have been missed on that original claim report or items that have been underpaid.”

The goal is simple: ensure your home is restored to its pre loss condition something we strive for on every roof repair, siding replacement, or gutter installation project in St. Louis.

Why Are Supplements Needed?

Insurance adjusters are under tight schedules, which means oversights happen. Missing damage or underestimating repair costs is common, not due to negligence, but simply because of time constraints.

That’s where EBS comes in. With our expertise in storm damage roof inspections, hail damage repair, and home exterior restoration, we catch what others miss protecting your home and your investment.

Does a Supplement Mean the Contractor Is Trying to Get More Money?

This is one of the most common concerns homeowners have. The answer? Yes and no.

Yes, contractors are asking the insurance company for more money but not for profit. The additional funds go toward proper labor and materials. For example, many homes in St. Louis use custom bent fascia, which requires skilled on site work. Insurance companies may only approve pre bent fascia costs, which don’t reflect the actual requirements.

The supplement ensures the correct materials and craftsmanship are used so your home is repaired the right way, not the cheapest way.

Will a Supplement Affect My Out of Pocket Cost?

No. A properly handled supplement should not increase your financial responsibility. At EBS, we ensure supplements are approved before work begins, so the additional costs are covered by your insurance not you.

Typically, your only responsibility is your deductible, unless your policy includes special terms like roof surface payment.

Should Homeowners Be Concerned About Supplements?

Not at all. Supplements are designed to protect you as the homeowner. They ensure your contractor can complete repairs to manufacturer specifications and industry standards, preserving your warranties and the integrity of your home.

Josh emphasizes:

“When you have a contractor that is doing the supplement process… it means they have your best interest in mind. They are spending that time to protect you and advocate for you as a homeowner to make sure your job gets done and gets done the proper way.”

Key Takeaways

• Insurance supplements are adjustments to claims that ensure all damage and proper repair costs are included.
• They protect homeowners from underpaid claims and ensure repairs meet manufacturer and industry standards.
• Supplements do not raise your out of pocket costs your deductible remains the primary expense.
• Working with a contractor like EBS ensures you get the right materials, skilled labor, and peace of mind that your home will be fully restored.

Conclusion

Insurance supplements may sound complicated, but they’re actually an important safeguard for homeowners. They ensure your home is restored properly without additional financial burden. At Exterior Building Solutions, we see supplements as an opportunity to advocate for you and make sure your insurance company covers the full scope of your repairs.

If you’ve recently experienced roof damage in St. Louis, siding issues after a storm, or need help navigating the insurance process, call Exterior Building Solutions at (314) 729-7663 for a free inspection. Our team is here to guide you every step of the way.

FAQs

1. What is an insurance supplement?
An adjustment to your insurance claim to include missed or underpaid repair items.

2. Why are supplements needed?
Because adjusters often don’t have the time to perform a thorough inspection, resulting in overlooked damage or underestimated repair costs.

3. Will a supplement cost me more money?
No. Approved supplements are covered by your insurance provider, not you.

4. Do supplements delay repairs?
They can add a little time upfront, but this ensures everything is approved before work begins, saving you headaches later.

5. Should I be worried if my contractor suggests a supplement?
Not at all. It’s actually a sign your contractor is advocating for your best interests.

Suggested Internal Links (EBS Website)

• Link “roof repair” to the Roofing Services page
• Link “siding replacement” to the Siding Services page
• Link “gutter installation” to the Gutters Services page
• Link “storm damage roof inspections” to the Storm Damage page

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