For most homeowners, the insurance claim process is the most anxiety producing part of dealing with storm damage, more so than the actual roof work. The process typically starts when the homeowner files a claim, after which an adjuster is scheduled to inspect the property and issue what's called a scope of loss, essentially an itemized estimate of what the insurance company believes needs to be repaired or replaced and at what cost. This initial scope doesn't always capture everything, since adjusters are covering many properties and can miss damage that a roofing specific inspection would catch, like compromised flashing or ventilation issues that aren't visible from a quick walk of the roof. When a contractor reviews the adjuster's scope and finds items missing or underpriced, that gets submitted as a supplement, essentially a request for the insurance company to revise the scope based on additional documentation. Once the revised scope is approved, work gets scheduled and completed, and many policies release a final depreciation payment only after the work is finished and documented. Understanding this sequence in advance turns a confusing process into a predictable one.