What Do You Need To Know About Supplementing Insurance?
Allstate Exteriors • September 13, 2021
Supplemental insurance claims are change orders and additional charges on an insurance claim based on discovered, underpaid, or overlooked items while restoring your Central Ohio home. Since you probably do not file claim after claim after claim, you may be unfamiliar with the insurance claim process — including supplementing — after a storm or other event that damages your property.
Insurance Claims
When your siding, roof, or gutters are seriously damaged, and you file an insurance claim, you begin a process including many professionals:
- Your local insurance agent
- An insurance adjuster for processing the claim and arranging a payment
- A contractor or several contractors for repairs
Once the claim is filed, your primary task is to move information between these professionals, arrange inspections of your damaged property, sign off on work performed, and pay your deductible. You may also be the intermediary between adjuster and contractors; sometimes, the contractor will work directly with the adjuster, sometimes not.
If in doubt, always ask your contractor since most home contractors deal with insurance claims day in and day out.
Supplementing
The selection of a roofing, siding, or gutter contractor to restore your home after it sustains damage is entirely up to you. An insurance company’s adjuster may recommend this roofer or that contractor, but you decide. Many homeowners overlook the step where they make certain a roofer can handle supplemental claims.
Supplementing means the orderly addition of charges to an insurance claim. This can happen for several reasons:
- The estimate for replacement materials was below the actual outlay due to fluctuating commodities prices or other causes.
- The adjuster overlooked a damaged area during the inspection and estimate.
- During restoration, additional damage is revealed, as when shingles are removed, and the underlayment and sheathing are inadequate.
Supplementing the claim is done by a Work Change Order, which requires sign-off by the contractor and the homeowner. Often the Change Order is done by meeting with the adjuster on-site, demonstrating the reasons for the supplement with photographs or video, and filling out paperwork. The adjuster is the final arbiter of a Change Order or supplements on-site, and in most cases, this is routine, if tedious, paperwork.
Good Choice!
Even with the pressure of getting repairs done quickly, you still want flexibility and the maximum insurance benefits. This is why you should work with a roofing contractor familiar with supplementing the claim.
Some homeowners may have a (false) notion the contractor deliberately underestimates the damage just to tack on charges insurance will cover. This is not the case since the administrative burden brought by supplementing the claim is enormous. Many roofers will not agree to any changes in the Scope of Work and estimate to avoid the paperwork problems of supplementing the claim.
With a roofer, siding, or gutter contractor familiar with (and willing to handle) supplements to the insurance claim, you win in two ways:
- Better quality work is performed on your home — The adjuster settles on a price, and the contractor begins, then discovers the need for supplementing, leaving the contractor with one of four choices:
- Perform the necessary work hoping to get reimbursed by the insurer for the work
- Perform the needed work and bill the homeowner
- Ignore the needed extra repair work and perform only what is in the original Scope of Work
- Cut corners to stretch the original insurance claim’s value to cover as much of the discovered problems as possible
If, however, the insurer and roofer work with supplemental insurance as a possibility, the work can move ahead as a more thorough, longer-lasting repair.
- Your insurance benefits are maximized — A roofer or other contractor knowledgeable about supplementing a claim will leave no money behind. The roofer will take time to thoroughly inspect the damage, including crawling into attics to get a view of the underside of your roof. The roofer will systematically evaluate all the interlocking parts of a roofing system:
- Ridge vents
- Field shingles or metal panels
- Starter course
- Flashing
- Underlayment
- Water and ice shield
- Drip edge
- Gutters
- Soffit vents and gable vents
- Rubber boots around roof piercings
- Skylights and other major roof elements
Bad Choice!
Some skeptical homeowners may sniff at supplementing insurance, wary of insurance fraud. Rest assured, a quality roofer will work to get the greatest possible legal benefit from your insurance claim without randomly adding on specious charges. Good roofers and good building contractors know better than to risk insurance fraud. Wise homeowners know to work with ethical contractors, too.
Please contact us today at Allstate Exteriors & Restoration in Central Ohio. We have long experience working with insurance companies. We are an ethical, respected business familiar with insurance supplementing, changes to Work Orders, and providing highly accurate initial estimates.
Picture this: you notice a small water stain on your ceiling. Maybe it’s barely noticeable, just a faint outline. You make a mental note to deal with it later… but by the time “later” rolls around, that small leak could have invited an unwanted guest into your home—mold. It’s a homeowner’s nightmare, and it can sneak up quicker than you'd expect. So, let’s get to the big question: how long does it take for mold to form after a roof leak? The answer: as little as 24 to 48 hours. Mold Doesn’t Waste Time Once moisture finds its way inside—whether it’s from a slow roof drip or a major storm-related leak—it gets to work. And mold spores? They're already in the air just waiting for the right conditions to grow. That’s why even a short delay in addressing a leak can lead to big problems. Warm, damp, and dark areas (like your attic or behind your drywall) become the perfect breeding ground. So while you’re going about your day, mold might already be spreading—quietly, but quickly. What Makes Mold Grow So Fast? A few key ingredients fuel mold growth, and unfortunately, a roof leak provides most of them: Moisture: This is mold’s #1 requirement. A leaky roof introduces just enough water to start the process. Warmth: Especially during the warmer months, mold grows faster in cozy, humid conditions. Poor ventilation: Closed-off spaces like attics or between walls don’t dry out easily. Porous materials: Wood, drywall, and insulation soak up water like a sponge, making them ideal places for mold to dig in. How to Know if Mold is Already Forming You might not see it right away, but mold often leaves some pretty obvious clues behind. Keep an eye (and nose) out for: A musty, sour, or damp smell Brown or yellow stains on ceilings or walls Peeling paint or bubbling drywall Fuzzy patches or discoloration (black, green, gray, or white) Worsening allergies, coughing, or sneezing indoors Even if you’re not 100% sure mold is present, trust your instincts—if something feels off, it’s worth getting checked out. What to Do If You Suspect Mold The key with mold is speed. The sooner you act, the easier (and cheaper) it is to fix. Stop the leak at its source. Bring in a trusted roofing professional to inspect the damage and make repairs. Dry out the affected area. Use fans or dehumidifiers to reduce moisture and improve airflow. Schedule a mold inspection. If you see or smell signs of mold, a professional can determine the extent and offer safe removal solutions. Prevent it from happening again. Regular roof inspections and gutter maintenance can go a long way in keeping moisture out of your home. How Allstate Exteriors Can Help At Allstate Exteriors, we’ve seen firsthand how fast mold can turn from a minor issue to a major problem. We take roof leaks seriously—because your health, your home, and your peace of mind matter. Serving both Ohio and Florida , our experienced team is here to: Quickly identify the source of the leak Recommend the best repair solution Offer guidance on next steps if mold is suspected Help prevent future leaks through expert maintenance and roofing systems We also offer free estimates and flexible scheduling, including morning, afternoon, evening, and Saturday appointments—so you don’t have to rearrange your life to protect your home. Final Thoughts: Don’t Wait Until It’s Too Late The scariest thing about mold? You often can’t see it until the damage is already done. If you notice any signs of a roof leak—no matter how small—don’t wait. Mold doesn’t give second chances, but we do. Let’s make sure your home stays dry, safe, and healthy. Reach out today for a free roof inspection.
I f you’re a homeowner in Columbus, Ohio , you know how important a reliable roof is — especially with our wild weather swings. One day it’s sunny and 75, the next we’re dealing with hail, wind, and thunderstorms. And unfortunately, we’ve seen far too many homes across Central Ohio with roofing jobs that just weren’t done right. At Allstate Exteriors, we’ve repaired and replaced countless roofs that were rushed, poorly installed, or simply not up to code. So how do you know if your roof is one of them? Good news — you don’t need a ladder or a background in construction. All it takes is about 60 seconds from your driveway. Here’s how to spot a bad roofing job, Columbus-style. 1. Crooked or Uneven Shingles From the ground, take a good look at your roof. Are the shingles lined up cleanly? Do they look flat and uniform? If they’re bumpy, crooked, or spaced unevenly, it’s a sign that the installer didn’t use proper chalk lines — or simply rushed the job. 👉 Tip: A poorly aligned roof is one of the most common issues we see during roof inspections in Columbus. 2. No Drip Edge Along the Roofline This is a detail many homeowners don’t know to look for — but it matters. A drip edge is a thin metal strip that runs along the edge of your roof and helps direct water into your gutters (instead of down the side of your home). 🚫 No drip edge? That’s a shortcut no reputable Columbus, OH roofing contractor should take. 3. Exposed Nail Heads Shiny nail heads peeking out of your shingles? That’s not just ugly — it’s dangerous. Nails should always be secured under the shingle above, protected from the elements. 💦 In Ohio’s rainy climate, exposed nails can lead to fast-moving leaks and water damage. This is a red flag during any roof inspection. 4. Sagging Spots or Dips in the Roof Roofs should look solid and level. If you see spots that appear to sag, dip, or bow, it could mean there’s damage beneath the surface — like rotting decking or poor structural support. ⚠️ In Central Ohio, this can also be a sign of storm damage that wasn’t properly repaired. If you see it, get it checked right away. 5. Missing or Sloppy Flashing Flashing is the metal that seals vulnerable areas around chimneys, vents, and skylights. It should be clean, tightly sealed, and in good condition. ❌ If it looks messy, rusted, or is missing altogether, water can (and will) sneak in. That’s a big problem — especially during Ohio’s stormy seasons . 6. Your Gut Tells You Something’s Off Sometimes, you just know something doesn’t look right. If your roof looks wavy, mismatched, or just plain off — trust your instincts. A quality Columbus roof replacement should look clean, secure, and professionally installed. If it doesn’t, it might not be. 🛡️ What a High-Quality Roofing Job Should Look Like in Columbus Here’s what you should expect when you work with a trusted Columbus roofing company like Allstate Exteriors: Shingles that are straight, clean, and evenly spaced No exposed nails, missing parts, or sloppy details Proper underlayment, flashing, and ventilation A full roofing system — not just shingles Backed by solid warranties and local experience Don’t wait until your roof starts leaking or falling apart. At Allstate Exteriors, we offer free roof inspections in Columbus, Ohio — with no pressure, no sales pitch, just honest feedback. We’re local, family-owned, and proud to help our Central Ohio neighbors protect their homes with top-notch workmanship and customer care. 📍 Proudly Serving Columbus, Dublin, Hilliard, Grove City, and surrounding areas 📅 Schedule your free roof inspection today! 🔧 Residential Roofing | Roof Repair | Roof Replacement | Storm Damage Experts
The Roof That Does It All: Why We Trust Owens Corning TruDefinition® Duration® Shingles with SureNail® Technology Your roof is one of the most important parts of your home—but it's also one of the most overlooked. It works hard every single day to shield your family from rain, wind, heat, and hail. That’s why when it comes time to replace your roof, it’s not just about choosing something that “gets the job done.” It’s about choosing a roofing system that looks beautiful, performs under pressure, and is backed by a name you can trust. At Allstate Exteriors, we believe your roof should give you more than protection—it should give you peace of mind. That’s why we proudly install Owens Corning TruDefinition® Duration® shingles, powered by their signature SureNail® Technology. It’s one of the most advanced—and dependable—shingles on the market today. Why TruDefinition® Duration® Shingles Are a Step Above We’ve worked with a lot of roofing materials over the years, and let us tell you—not all shingles are created equal. Duration® shingles stand out for three simple reasons: style, strength, and staying power. 🌟 Bold Style That Turns Heads Owens Corning’s TruDefinition® shingles are designed with color in mind. These aren’t your basic, flat-looking shingles—they have rich dimension, vibrant contrast, and deep shadow lines that give your roof a more high-end, textured appearance. It’s a small upgrade that makes a big difference in curb appeal. Whether you love a classic black or want to go bold with colors like Driftwood or Desert Tan, there’s a perfect match for every home style. 💪 SureNail® Technology: Small Detail, Big Impact SureNail® Technology might not be something you can see from the ground—but it makes all the difference once the shingles are on your roof. So, what is it? It’s a reinforced fabric strip embedded in the nailing area of each shingle. That simple-looking strip is engineered to: Help roofers nail with precision Provide a stronger, longer-lasting hold Boost wind resistance to 130 MPH Create triple-layer protection right where your roof needs it most This added layer of strength is especially important here in Ohio and Florida, where weather can be unpredictable and severe. Why We Recommend It at Allstate Exteriors Here’s the truth: we wouldn’t install something on your home that we wouldn’t trust on our own. And we trust Owens Corning. As an Owens Corning Platinum Preferred Contractor, we’ve gone through rigorous training, quality checks, and ongoing education to earn that title—and it’s one we take seriously. It allows us to offer: Extended warranty options backed by Owens Corning Exclusive access to their most advanced products Confidence that your roof is built to last We’ve seen these shingles stand up to hailstorms, high winds, and years of wear. And time and time again, they come out looking great and performing even better. A Roofing Experience That Feels Different Replacing your roof doesn’t have to feel stressful. At Allstate Exteriors, we focus on clear communication, honest recommendations, and professional craftsmanship. Our team walks with you every step of the way—from the first consultation to the final cleanup. And with Owens Corning TruDefinition® Duration® shingles, you’re not just getting a beautiful roof—you’re getting a system that’s designed to protect your biggest investment for years to come. Let’s Build Something Strong Together If you're ready for a roof that checks every box—style, performance, and long-term value—we’re here to help. We’d love to show you color samples, answer your questions, and get you started with a free estimate. 📍 Proudly serving homeowners in Ohio and Florida 🛠️ Owens Corning Platinum Preferred Contractor 📞 Call us today
When it comes to choosing a contractor for your home, there’s something reassuring about working with a company that’s not just experienced — but rooted in family values. At Allstate Exteriors, we’re proud to be a family-owned and operated business that has served homeowners for more than 20 years. But what does that really mean for you? It means your home isn’t just another job to us. It’s personal. 🏠 Built on the Values That Still Guide Us Today Allstate Exteriors was built on a foundation of strong values that continue to guide everything we do today: Care about others. Always do the right thing, even when no one’s looking. Be a team player. Strive to be your personal best. These aren’t just words on a wall — they’re the principles we bring to every project, every home, and every interaction. Being family-owned means we hold ourselves to a higher standard, because our name and reputation are on the line — and we wouldn’t have it any other way. 💬 A Personalized, Hands-On Experience Unlike national chains or high-volume contractors, we don’t treat you like a number. From the first phone call to the final walk-through, we deliver a truly personal experience — rooted in genuine care and honest communication. We take the time to understand your goals, explain your options, and guide you through the process. Whether you’re dealing with storm damage or planning an upgrade, you’ll feel supported every step of the way. 🧰 Quality Work That Reflects Our Commitment After 20+ years in business, one thing remains true: we never cut corners. Every roof we install, every siding panel we place, and every gutter we replace is done with precision and pride. Because when you’re family-owned, your name is your brand — and your word matters. We use premium materials, hire skilled professionals, and stand behind our work with strong warranties and transparent communication. We believe that striving to be your personal best means never settling for “just good enough.” 👨👩👧👦 A Team That Feels Like Family Our culture is built on teamwork — from our office staff to our crews in the field. Many of our team members have been with us for years, and that longevity shows in the way we work together and serve our customers. We show up on time. We clean up after ourselves. We treat your property with care. And if something isn’t right, we fix it — because doing the right thing, even when no one’s looking, is the only way we do business. 🌎 Proudly Serving Ohio and Florida Communities From the snow and storms of Ohio to the heat and humidity of Florida, we understand the different challenges homeowners face depending on their climate. Our team is trained and equipped to recommend the right materials and solutions for your specific region — so your home stays protected year-round. Whether you're in a quiet rural town or a busy coastal neighborhood, we’re committed to delivering top-notch service with hometown care. 💡 Why Being Family-Owned Still Matters In an industry where personal touch is often lost, being family-owned helps us stay focused on what matters most: people. We’re not just installing roofs or siding — we’re building trust, protecting homes, and showing up for our communities. When you work with Allstate Exteriors, you’re choosing a company that: Brings over two decades of industry experience Operates with heart, honesty, and teamwork Lives by values, not sales quotas There for you long after the job is done Ready to Experience the Allstate Exteriors Difference? Whether you need a roof replacement, new siding, updated gutters, or storm damage repair — we’d be honored to serve you. Let us show you what it’s like to work with a contractor who treats your home like their own. 👉 Contact us today for a free inspection or consultation — we’re here when you need us, like family should be.
At Allstate Exteriors, we take pride in delivering exceptional roofing solutions that are built to last. One of the ways we demonstrate that commitment is by holding the title of Owens Corning Platinum Preferred Contractor—a designation that only the top roofing companies in the nation can claim. So, what does it really take to earn that status? And why should it matter to you as a homeowner? Let’s break it down. It’s Not a Badge You Can Just Buy Becoming an Owens Corning Platinum Preferred Contractor isn’t something you apply for online and get overnight. It’s invitation-only, and it’s reserved for roofing contractors who consistently meet the highest standards in workmanship, professionalism, and reliability. Out of all roofing companies in the U.S., only about 1% are selected for this elite program. What Owens Corning Looks for (and What We Delivered) To be selected as a Platinum Preferred Contractor, Owens Corning evaluated Allstate Exteriors on several strict criteria: ✅ Proven Longevity – We’ve been serving customers for over two decades with a track record of success. ✅ $1M+ Liability Insurance – To protect our customers and our team on every project. ✅ Workers’ Compensation Coverage – Meeting or exceeding all local and state requirements. ✅ Strong Financial Standing – No bankruptcies, consistent sales volume, and operational excellence. ✅ Impeccable Reputation – Verified through customer feedback and our A+ BBB rating. ✅ Workmanship Excellence – Our installations are reviewed and approved by Owens Corning inspectors. ✅ Ongoing Training – Our team regularly participates in manufacturer training to stay on the cutting edge of roofing technology and best practices. We don’t just meet these requirements—we exceed them. And that’s what earned us a place in this elite group. What That Means for You When you hire Allstate Exteriors, you're not just getting a contractor—you’re getting a Platinum Preferred Contractor backed by Owens Corning. Here’s what that means for your project: 🏠 Extended Warranties – We’re able to offer the exclusive Platinum Protection Limited Warranty, which covers workmanship for as long as you own your home. That’s peace of mind you won’t get with just any contractor. 🛠 Total Protection Roofing System – You get access to Owens Corning’s full system of products designed to work together for maximum durability, energy efficiency, and curb appeal. 📈 Higher Resale Value – That transferable warranty is a major selling point if you decide to sell your home down the road. 💬 Unmatched Customer Service – From your first phone call to your final inspection, we’re committed to delivering a 5-star experience every step of the way. Why Allstate Exteriors? There are thousands of roofing contractors out there—but only 1% earn the Platinum Preferred title. At Allstate Exteriors, we’re proud to be part of that 1%. We’ve earned Owens Corning’s highest distinction because we hold ourselves to the same standard they do: excellence in every detail. If you’re looking for a roofing contractor who’s been vetted by one of the most trusted names in the industry, we’d be honored to earn your business. Contact us today to schedule your free inspection and see the Platinum difference for yourself.
Keep Water Flowing and Big Problems Away Your gutters may not be the flashiest feature of your home, but when they’re working right, you probably don’t even notice them. And that’s exactly the point! A good gutter system quietly does the heavy lifting—protecting your roof, foundation, landscaping, and more from the damage water can cause. But when things go wrong? It doesn’t take long for a small gutter issue to become a much bigger (and more expensive) headache. At Allstate Exteriors, we’ve seen it all—from clogged-downspouts that flood basements to sagging gutters hanging on by a thread. Below, we’re sharing some of the most common gutter problems homeowners face—and the simple solutions to help you avoid serious water damage and costly repairs. 1. Clogged Gutters The Problem: Leaves, pine needles, twigs, and even roofing granules can quickly pile up in your gutters—especially in the fall or after heavy storms. Over time, these blockages prevent water from draining properly. Why It Matters: When water can’t flow through your gutters, it spills over the sides and starts soaking into places it shouldn’t—like your fascia boards, soffits, siding, or even your basement. The Solution: Gutter cleaning should be part of your regular home maintenance, ideally in spring and fall. Want a lower-maintenance option? Gutter guards help keep debris out and water flowing. 2. Sagging or Pulling Gutters The Problem: If your gutters are starting to dip, bend, or pull away from your home, it usually means they’re carrying too much weight (often from debris or standing water) or the fasteners have come loose. Why It Matters: Sagging gutters don’t just look bad—they also fail to channel water where it needs to go. Worse, they can eventually collapse or damage your home’s trim. The Solution: Reinforce the hangers or brackets and make sure the gutter slope is correct. If the gutters are old or badly damaged, a professional replacement might be the safest (and smartest) move. 3. Leaking Gutters or Seams The Problem: Leaks at seams, holes, or cracks in the gutters may seem small—but they’re often signs of aging materials or poor installation. Why It Matters: Over time, even a slow drip can erode your landscaping, damage your home’s foundation, or cause mold and mildew near your walls. The Solution: Apply gutter sealant to small cracks or leaks, or replace damaged sections. Looking for a leak-free future? Seamless gutters are a great investment that eliminate the most common leak points. 4. Incorrect Gutter Pitch The Problem: Gutters need a slight downward slope to guide water toward the downspouts. If the pitch is off—even just a little—water can start pooling. Why It Matters: Standing water can rust your gutters, attract pests (hello, mosquitoes!), and eventually cause them to sag or overflow. The Solution: Rehang the gutters or adjust the brackets to ensure proper pitch. As a rule of thumb, gutters should slope about ¼ inch for every 10 feet. 5. Downspout Dilemmas The Problem: Downspouts that are clogged, disconnected, or too short can’t do their job—which is to direct water away from your home. Why It Matters: If water pools near your foundation, you risk basement leaks, cracks, and major structural issues over time. The Solution: Make sure your downspouts are clear and properly connected. They should extend 4 to 6 feet away from your home. You can also add splash blocks or underground drainage for extra protection. 6. Ice Dams and Winter Woes The Problem: In colder climates, snow and ice can build up in your gutters, preventing water from draining. This leads to ice dams that force water back under your roof shingles. Why It Matters: Ice dams can cause roof leaks, damage to your insulation, and even mold growth inside your home. The Solution: Keep your attic properly insulated and ventilated to minimize heat loss that melts snow unevenly. In areas prone to ice, you might want to invest in heated gutter systems or schedule regular winter maintenance. Your gutters may not demand much attention—but when they do, it’s best to listen. Ignoring minor issues can lead to costly water damage, mold, foundation cracks, and more. At Allstate Exteriors, we provide expert gutter inspections , repairs, and full gutter replacement services for homeowners across Ohio and Florida. Whether you're dealing with a leaky joint or an aging system that just can't keep up, our team is here to help. Contact us today for a free estimate!