Why is an estimate from a roofing company greater than the insurance company’s estimate?

Sometimes the adjuster misses something that needs to be included or completed. We will be in communications with the insurance company if we find this has happened. We also can submit “supplements”—a  charge or charges that need to be added to a claim for items omitted, overlooked, underpaid or discovered after work begins. Supplementing a claim is allowable and insurance companies prefer to get notification of supplementation requests early vs late in the project. However, most times this is done after the roof has been approved. If the supplements are approved, the insurance company will either send an additional check after the 2nd check or include the additional amount in the second check.