Supplementing on siding insurance claims is an important part of growing your business. Whether you are a roofing contractor who handles a few siding jobs or focused entirely on insurance siding work, supplements are a great way to make sure you get paid an accurate price and that the adjuster’s Xactimate estimate includes everything needed to do the job right. If the scope of loss does not include all the correct materials, quantity, labor, code items, etc. then you as the contractor should submit a new Xactimate estimate with photos and other documentation to request additional funds.
About Roofing Supplements
A siding supplement or contractor supplement is when a contractor asks for additional materials, labor, or trades to be added to the insurance claim for a siding job. An adjuster may not include enough cladding, house wrap, light fixtures, plumbing accessories, j-channel, etc. on the scope of loss to get the job done correctly. In some cases, these missing items are required by local building code or local laws that mandate any siding replaced must match the existing structure. When this happens, a contractor writes a new Xactimate Estimate to include those missing items and submits it to the insurance company for approval. Contractors must also include supporting documentation such as photos, measurements, local code requirements, ITEL lab results, and invoices to explain why these funds are needed.
“When a loss requires replacement of items and the replaced items do not match in quality, color or size, the insurer shall replace as much of the item as is necessary to result in a reasonably uniform appearance within the same line of sight….”
While “Matching Coverage” is similar to “Line of Sight” in that they both deal with material uniformity of a siding installation, siding Matching Coverage specifically relates to the homeowner’s insurance policy. When dealing with a siding storm damage claim, the contractor can not discuss the homeowner’s policy with the adjuster. That being said, it is always a good idea to educate the homeowner on endorsements or exclusions. The homeowner can review their homeowner’s policy to verify that it contains or does not specifically exclude “Matching Coverage.” Matching Coverage may even be a separate endorsement as an add-on to the original policy. Either way, it’s good to educate the homeowner so that once you have exhausted all possible opportunities for the insurance company to cover the cost of the repair, the contractor developed enough trust with the homeowner that they will still hire you to do the work.
Check out our blog posts dedicated to supplementing for siding projects.
Siding Supplement Tips
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