01Read the denial like a scoping document
Denial letters cite reasons: 'no hail hits consistent with the reported event', 'damage is mechanical, not storm-related', 'cosmetic damage only — no functional impairment'. Each citation is a claim about your roof that can be tested. The supplement process is exactly that test.
02The re-inspection targets the letter
A re-inspection is not a do-over — it is documentation aimed at each specific denial reason. 'No hail hits' gets answered with test-square maps and hit counts. 'Mechanical damage' gets answered with directional patterns and impact marks matching the storm track. 'Cosmetic only' gets answered with mat exposure and functional-loss photos.
03What a supplement actually is
A supplement is a formal, evidence-backed request to change the claim outcome: additional line items, corrected pricing, recovered depreciation, code upgrades the original scope skipped. Carriers process them as routine paperwork when the evidence is organized — which is why documentation quality decides these fights, not persistence.
04Underpayments are quieter than denials
An approved claim can still be under-scoped: one slope instead of four, repair instead of replacement on a roof that can't be matched, dumpster and ice-and-water line items missing. Compare the carrier's estimate to your own scope line by line — every gap is a supplement candidate.
05What it costs you
With Stormtek managing the claim: nothing line-itemed. The re-inspection, the documentation, and the supplement filing are part of executing the restoration. Bring us the denial letter and the estimate — we read them for a living.
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