FIRST CLAIM · FULLY SUPPLEMENTED · OKLAHOMA CITY

Get a Free Inspection (405) 973-7090
182%
Payout Increase
$15,429
Additional Value Recovered
$0
Depreciation Withheld
was $1,975.39
$4,026+
O&P Added
Financial Transformation

The Numbers Before & After

One claim. Two outcomes. See exactly how the supplement changed everything.

Before Supplement
Initial Carrier Estimate · Dec 4, 2023
Policy Basis ACV — Actual Cash Value
Base Payout $8,477.49
Depreciation Withheld −$1,975.39
Overhead & Profit Not Applied
Deductible −$250.00
Net Payout $8,477.49
After Supplement
Heavenly Roofing Supplement · Finalized · Apr 17, 2024
Policy Basis RCV — Replacement Cost Value
Base RCV $24,156.56
Depreciation Withheld $0.00 — Eliminated
Overhead & Profit (10/10) +$4,026.14
Deductible −$250.00
Net Payout $23,906.56
The Supplement Journey

From Lowball to Full Payout

Four critical moments that defined the outcome of this claim.

December 4, 2023
Initial Carrier Estimate Issued
The carrier issued its initial estimate using EagleView satellite roof measurements. The scope was narrow, depreciation was applied across all line items, and Overhead & Profit was excluded entirely — a common approach that undervalues legitimate claims.
ACV Payout: $8,477.49
March 31, 2024
Loss Formally Reported to Secondary Carrier
A wind and hail loss event was formally reported to the secondary carrier. Heavenly Roofing began the supplementing process immediately — identifying scope gaps, missing line items, and unchallenged depreciation that the original estimate ignored.
Coverage: Wind & Hail Loss
April 17, 2024
Contractor Supplement Finalized
After a hands-on field inspection and line-by-line scope review, the supplement was finalized with the carrier. Heavenly Roofing identified and documented new damage across five separate trades. Every dollar of depreciation was challenged and eliminated.
Expanded Scope: 5 Trades Depreciation: $0.00
Post-Supplement
O&P Applied — Final RCV Confirmed at $24,156.56
Overhead & Profit at 10/10 was successfully applied on top of the supplemented subtotal, adding $4,026.14 to the claim total. The final Replacement Cost Value was confirmed at $24,156.56 — a figure that truly reflected the cost of restoring this property to pre-loss condition.
Net Payout: $23,906.56 ↑
Depreciation Recovery

We Eliminated Every Dollar of Withheld Depreciation

ACV policies allow carriers to withhold depreciation. We challenged it — and won across every trade category.

$1,975.39 $0.00 Total Depreciation Withheld

Why ACV Policies Work Against You —
And How We Fight Back

Under an ACV (Actual Cash Value) policy, insurers depreciate your roof, siding, and components based on age and condition. On this claim, the carrier withheld $1,975.39 — money owed to the homeowner that was held back.

Through the supplement process, Heavenly Roofing negotiated zero depreciation across all four trade categories — converting the claim from ACV to full replacement cost basis.

Roofing
$1,116.00 → $0
Siding
$359.76 → $0
Gutters
$300.26 → $0
Windows
$50.40 → $0
Overhead & Profit

We Added $4,026.14 in Industry-Standard O&P

Overhead & Profit is a legitimate, industry-standard line item that carriers often exclude from initial estimates. We never let that slide.

10%
Overhead
+$2,013.07
10%
Profit
+$2,013.07
$4,026.14
Total O&P Applied
On subtotal of $20,130.42
Industry Standard
10/10 is the accepted O&P rate for general contractors managing multi-trade insurance claims across the industry.
Why It Matters
When multiple trades are involved, the GC bears real coordination overhead. O&P compensates for that — and we fight for it on every qualifying claim.
The Result
$4,026.14 added on top of the supplemented subtotal — money that would have been left on the table without expert supplementing.
Scope Coverage

Five Trades. Every One Supplemented.

The original estimate missed entire categories of storm damage. We found them all — documented, quantified, and approved.

Roofing
Full replacement scope — drip edge, ridge cap, pipe jacks, turbine vents, and full debris removal all supplemented.
Siding
Vinyl siding, fanfold insulation, J-trim, shutters, and exterior fascia — identified, documented, and approved.
Gutters
Full aluminum gutter and downspout replacement. Commonly underbid or omitted in initial carrier estimates.
Doors
Overhead garage door and hardware replacement — storm-damaged and completely absent from the original scope.
Electrical
Meter bases and disconnects — missed when siding is replaced around utility connections. We never miss these.
Key Supplement Flag: Meter Bases

Four meter bases on the back of the structure required detach-and-reset to access damaged siding — a line item routinely missing from carrier estimates. Heavenly Roofing flagged it, documented it, and got it approved. That's the difference a contractor with expertise makes.

Heavenly Roofing LLC · Oklahoma City, OK

Your Roof Deserves
The Same Fight.

This result wasn't luck — it was preparation, field knowledge, and a refusal to accept the first offer. If your property has storm damage, we will fight for every dollar you're owed.

Get a Free Inspection Call Roberto

Licensed·Insured·Oklahoma City, OK·Storm Damage Specialists