Supplement recovery

Definition

Extra money claimed from an insurer after a storm job turns out bigger than the estimate.

Why It Matters

On insurance work it is often the difference between a job that made money and one that did not, and it is a skill sitting with one or two people, not in a system. A roofer whose supplements are strong has somebody who reads carrier estimates for a living, and that person leaving takes the margin with them. Ask what share of storm revenue arrived as supplements and who wrote them, before deciding what the storm book is worth.