 Why You Might Receive a Second Insurance Check — And What It Means for You
If you’ve recently filed an insurance claim for property damage and are working with a contractor like MD Roofing, you might be surprised to learn that a second check from your insurance company could be on the way. Many homeowners are unsure why this happens or what it means for their final bill — so let’s break it down. It’s Not Extra — It’s Just the Process Let’s be clear: you are not being charged anything extra out of pocket. The second payment from your insurance company is a normal part of the claims process. Here’s how it works: When a claim is first submitted, the insurance adjuster does their best to assess the damage and approve payment. But even the most experienced adjusters can overlook items — especially when handling a large volume of claims or dealing with tight timeframes. That’s where MD Roofing comes in. What Are Supplemental Items? As your contractor, we conduct a thorough inspection before, during, and after the job. If we identify additional work that wasn’t included in the original estimate but is necessary to complete the project correctly, we submit a request to your insurance company. These requests are called supplementals. Some common examples include:
What Happens Next? That second check is not yours to keep — it’s meant to cover the additional work your insurance company has agreed to pay for. You're simply the pass-through. The funds go from your insurance company to you, and then to MD Roofing to settle the remaining balance on your project. Here’s how we handle it:
This allows for a smooth and stress-free transition without any out-of-pocket surprises. Why Doesn’t the Insurance Company Just Pay Us Directly? It’s a fair question. Some carriers do pay contractors directly, but most issue payments to the policyholder — you. That’s because you’re ultimately responsible for hiring the contractor and approving the work. It also gives you complete control and transparency over the process. No Surprises. No Hidden Fees. At MD Roofing, we believe in transparency and trust. Every supplemental item we submit is necessary to restore your property properly. We never charge beyond what’s approved, and you will never owe more than your deductible unless you authorize additional upgrades outside your policy. Final Thoughts This part of the insurance process can feel confusing, especially with multiple moving parts — but you’re not alone. If you receive a second check from your insurance company, it’s because more work was needed and approved. We’re here to make this process simple and clear. If you ever have questions about the funds or the timeline, just give us a call — we’re happy to help. 719-591-2142
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 Replacing or upgrading your roof is a major investment — but waiting until you “have the cash” can cost you more in damage, energy inefficiency, and lost home value. The good news? Financing options now make it easier than ever to get the roof you actually want — not just the one your insurance barely covers. Here’s the bottom line: Whether you need a full replacement, want to upgrade materials beyond what insurance covers, or simply need help covering a high deductible, smart roofing financing solutions can bridge the gap between your dream and your reality — without wrecking your budget. 1. Full Roof Replacement Financing: Stop Delaying Critical RepairsInsurance doesn’t always pay for 100% of a roof replacement — and if you’re paying out-of-pocket, the total cost can feel overwhelming. But here’s the truth: delaying roof repairs often leads to even bigger, nastier, and more expensive problems — water damage, structural rot, mold, skyrocketing energy bills. Instead of putting your home at risk, financing allows you to replace your roof now and spread payments out over time with reasonable monthly payments that fit your budget. Key Advantages:
2. Upgrade Your Roof — Beyond Basic Insurance CoverageLet’s be real: Insurance companies want to settle claims as cheaply as possible. They’ll typically approve the lowest-cost materials — but what if you want better?
Financing gives you the power to choose upgrades that make your home stronger, more beautiful, and even more valuable — without waiting years to save up. Why It’s Smart:
3. High Insurance Deductible Financing: No More Scrambling for CashHomeowners everywhere are getting hit with higher deductibles — $2,500, $5,000, $10,000 or more — especially after big storm seasons. And here’s the worst part: You can’t start repairs until your deductible is paid. If you’re caught off guard, financing your deductible lets you move forward immediately, avoid further damage, and pay it off in easy installments — without draining your savings or racking up credit card debt. Quick Benefits:
Your Dream Roof is Closer Than You ThinkFinancing your roof isn’t about taking on “more debt.” It’s about making a smart investment in your most valuable asset: your home. It’s about securing your safety, comfort, and peace of mind — now, not years from now. With the right financing options, you can: ✅ Cover your full roof replacement ✅ Choose beautiful, long-lasting upgrades ✅ Handle high deductibles without stress Your dream roof is within reach. Let’s help you make it a reality — without the financial strain. 👉 Contact us today to learn about flexible, fast roofing financing options designed to fit your life — not delay it.  After a big Colorado storm — whether it’s hail, wind, or torrential rain — your first priority is safety. Your second? Protecting your home from further damage and making sure your insurance claim gets handled properly. At MD Roofing, we’ve helped hundreds of Colorado Springs homeowners recover from storm damage. This post walks you through exactly what to do immediately after a storm to prevent further damage, protect your wallet, and avoid denied insurance claims. 🛑 Step 1: Don’t Ignore the Damage — Even If It Looks Minor Storm damage isn’t always obvious. A few missing shingles or a cracked window might not seem urgent, but they can:
Tip: Damage that goes unrepaired is often considered “neglect” by insurers — which means they don’t have to pay for future repairs. 🔨 Step 2: Cover Any Exposed Areas Immediately If you can see exposed decking, broken windows, or sections of siding or stucco missing, cover them as soon as it’s safe. Use tarps, heavy-duty plastic, or plywood to temporarily seal up damaged areas. Can’t do it yourself? MD Roofing provides emergency tarping and board-up services after every major storm in Colorado Springs. We can usually be there within hours. 📸 Step 3: Take Photos of All Visible Damage Before any clean-up or repairs, take photos from ground level. Focus on:
Pro tip: Date-stamped photos + contractor documentation = faster approvals and fewer claim disputes. 🔍 Step 4: Schedule a Free Storm Damage Inspection This step is critical — don’t call your insurance company first. Call a reputable local contractor (like MD Roofing) for a free inspection. We’ll:
We always recommend a professional inspection before calling your insurer. You don’t want a claim on your record if there’s not enough damage to justify it. 🏠 Step 5: Work With a Contractor Who Knows the Insurance Process
Not all contractors are created equal. Some just slap on shingles and disappear. Others — like us — walk through the entire process with you. At MD Roofing, we: ✅ Handle insurance paperwork ✅ Meet with adjusters on-site ✅ Push back if parts of your claim are underpaid ✅ Restore your home’s roof, windows, stucco, siding, and more You get a one-stop solution — and peace of mind. 🚫 Avoid These Common Mistakes That Can Jeopardize Your Claim ❌ Waiting too long to report or document damage ❌ Doing DIY repairs before documentation ❌ Hiring an unlicensed or out-of-town “storm chaser” ❌ Signing contracts before understanding your full scope of damage ❌ Assuming your insurance adjuster will catch everything ✅ We’re Local. We’re Licensed. We’ve Got Your Back. At MD Roofing, we’re not just another roofing company. We’re your full-service exterior storm restoration experts:
📣Storm just hit your neighborhood? Get peace of mind and protect your home with a free, no-pressure inspection from MD Roofing. 📞 (719) 591-2142 🌐 md360roofing.com 📍 Proudly serving Colorado Springs and surrounding areas  You’ve seen the ads. “Free solar panels!” “No money down!” — and probably thought, “Yeah, right.” But here’s the truth: solar is more affordable than ever — especially when you work with a local, experienced contractor who knows how to structure the right system for your home, without the gimmicks. At MD Roofing, we help Colorado Springs homeowners take advantage of solar energy the smart way — with transparent pricing, quality installs, and real savings. 🌞 Why Solar Isn’t Just for the Wealthy Anymore Thanks to federal tax credits, financing programs, and skyrocketing utility rates, solar has never been more accessible. ✅ 30% Federal Solar Tax Credit ✅ Long-term fixed energy costs ✅ Immediate utility savings ✅ Increased home value ✅ Potential monthly savings that exceed the loan payment Most of our clients pay less for their solar loan than they were paying for electricity. And after the loan is paid off? Pure profit. 💸 How Reputable Solar Installers Save You Money (Long-Term)
Cheap solar companies might quote a low upfront price — but it comes at a cost: ❌ Undersized systems that don’t offset enough energy ❌ Unlicensed labor = voided warranties ❌ Cookie-cutter designs that don’t match your energy profile ❌ Surprise fees and bad financing At MD Roofing, we partner with licensed, vetted solar installers who: ✅ Customize your system size based on real usage ✅ Install correctly the first time (avoiding roof damage) ✅ Offer clean financing options — no hidden fees ✅ Handle your roof AND your solar under one warranty 🏠 Solar + Roofing = Smart Home Upgrade Did you know if your roof is older than 10–15 years, most solar companies won’t install over it? Instead of hiring two different contractors, we do both — and can roll the roof replacement into the same solar financing package. That means: ✅ One point of contact ✅ One clean install ✅ One payment ✅ Lower total cost ⚡ Financing Options That Make Solar Work for Real Families We work with financing partners that specialize in low-interest solar loans, which means:
🧠 Red Flags to Watch for in Cheap Solar Offers 🚩 “Free Solar” – usually a lease that gives you no ownership or tax benefits 🚩 Out-of-state sales teams – no accountability after install 🚩 Poor coordination with roofing – leads to leaks or voided warranties 🚩 Systems that cover too little (or way too much) of your usage Always ask:
🔧 Why MD Roofing Is Different We’re not just another roofing company — we offer full home exterior solutions, including solar, and back it with: ✅ Local team & office ✅ Roofing + solar package deals ✅ Honest, custom consultations ✅ Clear financing ✅ Long-term support & maintenance 📣 Tired of rising energy bills? Let’s run the numbers on solar for your home. You might be surprised how affordable it can be — especially when you combine it with a roof upgrade. 📞 Call us at (719) 591-2142 🌐 md360roofing.com 💡 One team. One install. Real savings.  If you’ve filed a claim for storm damage to your roof, there’s a good chance your insurance adjuster handed you a repair estimate generated in Xactimate — the industry-standard software used to price property damage claims. But here’s the problem: Most homeowners don’t know how to read these estimates. And that’s exactly how underpayments, missing items, and denied claims happen. At MD Roofing, we don’t just repair roofs — we help you understand your insurance estimate and fight for the coverage you’re entitled to. Let’s walk through how to read a roofing estimate line by line, and what red flags to look for. 🧾 What is Xactimate? Xactimate is a software used by most insurance adjusters to calculate repair costs after property damage — especially storm-related roofing claims. It breaks your claim down by:
📋 How to Read Your Roofing Estimate (Step by Step)1. Check the Scope of Work (Line Items) Each line item should describe a specific task or material. Look for: ✅ Remove & replace asphalt shingles ✅ Ice & water shield ✅ Synthetic underlayment ✅ Flashing replacement ✅ Drip edge ✅ Roof vents ✅ Labor & disposal fees 🚩Red Flag: If the scope only shows “shingle replacement” but no underlayment or flashing, it’s incomplete. Tip: We re-measure every roof using aerial tools or on-site measurements to catch underestimations. 2. Look at the Quantities
The estimate should show how many squares (100 sq ft sections) of roofing are being replaced. Also review:
3. Unit Pricing & Labor Costs Each task will have a unit price — for example:
4. Overhead & Profit (O&P) If your claim involves multiple trades (roofing, stucco, windows, gutters), you may be entitled to 10% overhead and 10% profit — added to the total claim. Red Flag: Insurance companies often exclude O&P unless a contractor requests it and proves it's necessary. At MD Roofing, we handle multiple trades and document the need for O&P so you’re not stuck covering the gap. 5. Supplements: What’s Missing from the Estimate? It’s common for initial estimates to leave out: ❌ Building code upgrades (drip edge, decking, ventilation) ❌ Waste factor allowances (especially for steep or complex roofs) ❌ Proper flashing or step flashing ❌ Painting, gutter tie-ins, or stucco repair ❌ Permit fees and inspections Our team reviews every Xactimate estimate to find missing or underpaid items, and we submit supplements to the insurance company to correct them. 🧠 Why Homeowners Shouldn’t Go It Alone
✅ Bottom Line: Don’t Settle for a Low or Incomplete Estimate If your roof was damaged and your insurance adjuster gave you an estimate — let us review it. We’ll walk you through what’s covered, what’s missing, and what comes next. Your only out-of-pocket cost should be your deductible. Not thousands in missed line items. 📣 Call to ActionNot sure if your Xactimate estimate is accurate? Let MD Roofing review it — free of charge — and make sure you get the full scope of repairs you’re owed. 📞 (719) 591-2142 🌐 md360roofing.com 📍 Full-service storm restoration & insurance support Colorado’s hailstorms don’t just wreck roofs — they can also crack, chip, or weaken your windows. But many homeowners don’t realize the damage until it’s too late.
At MD Roofing, we do more than roofing. We inspect and replace hail-damaged windows as part of our full-service storm restoration. Here’s how to tell if your windows were hit — and what to do next to get them replaced through insurance. What Does Hail Damage Look Like on Windows?Look for these signs around the frame, glass, and screens: ✅ Cracks or chips in the glass ✅ Foggy or cloudy panes (moisture between double-pane windows) ✅ Dented frames or warped sashes ✅ Torn or punctured window screens ✅ Drafts or new leaks around the edges Sometimes the damage is cosmetic — other times, it weakens the seal or structure, leading to energy loss or water damage down the road. Can I File an Insurance Claim for Hail-Damaged Windows?Yes — if the damage is sudden and caused by a covered peril (like hail or wind), your homeowner's policy will likely cover window replacement. But you’ll need:
Why Most Contractors Miss Window DamageA typical roofing company only checks the roof — and insurance adjusters often miss damage unless it’s pointed out. MD Roofing takes a whole-home approach:
Don’t Wait — Small Window Damage Can Lead to Bigger ProblemsCracked or broken seals in your windows can cause:
Think your windows might be damaged from recent hail? Let MD Roofing inspect your entire exterior — for free. We’ll check your windows, roof, siding, and more — and walk you through the insurance process step by step. 📞 (719) 591-2142 🌐 md360roofing.com 🛠️ Full-service storm restoration, not just roofing  In Colorado Springs, severe weather can wreak havoc on your home's exterior, including stucco finishes. Understanding whether your homeowner's insurance policy covers stucco repairs after a storm is crucial. This guide will help you navigate the process and ensure your home is restored to its original condition.
Understanding Stucco Damage: Stucco is a durable material, but it's not immune to storm damage. Hail, wind, and heavy rain can cause cracks, chips, or even large sections to break away. Identifying this damage early is essential to prevent further deterioration. Does Homeowner's Insurance Cover Stucco Damage? Typically, homeowner's insurance policies cover sudden and accidental damages, including those caused by storms. However, coverage can vary based on your specific policy and the cause of the damage. It's important to review your policy details or consult with your insurance agent to confirm coverage. Steps to Take After Discovering Stucco Damage: Document the Damage: Take clear photos of all affected areas.
How MD Roofing Can Help: Our team specializes in storm damage repairs, including stucco restoration. We work closely with insurance companies to ensure your claim is processed smoothly and your home is repaired promptly. Storms can cause significant damage to your home's stucco, but with the right steps, repairs can be straightforward. Understanding your insurance coverage and working with experienced professionals like MD Roofing ensures your home is in good hands. If your home has suffered stucco damage from a recent storm, contact MD Roofing today for a free inspection and assistance with your insurance claim. The Real Cost of Cheap Roofing Contractors in Colorado Springs: What Homeowners Need to Know6/5/2023  After a storm, your roof may be one of dozens damaged in your neighborhood. And when insurance money hits, every roofing contractor in Colorado seems to appear overnight — some offering prices that sound too good to be true.
Here’s the hard truth: they usually are. In this post, we’ll break down why going with the cheapest roofing contractor can lead to bigger problems — and how to choose a reliable roofing company in Colorado Springs that protects your home and your wallet. Why the Cheapest Roofer Is Rarely the Best Option🛠️ 1. They Often Cut Corners on MaterialsCheap bids usually mean low-quality shingles, underlayment, or flashing — materials that won’t last more than a few seasons. “The roof might look fine after install, but within a year or two, you’ll see curling shingles, leaks, or even full sections failing.” If you’re paying thousands for a roof (or your insurance is), you should get premium materials that stand up to Colorado's harsh climate. 👷 2. They May Not Be Licensed or InsuredMany low-cost contractors aren’t licensed in Colorado Springs or don’t carry proper liability or workers’ comp insurance. That means if something goes wrong — someone gets injured, property is damaged, or the job fails inspection — you could be on the hook. ⏳ 3. They Don’t Stand Behind Their WorkWarranties matter. Fly-by-night roofers are here today, gone tomorrow. At MD Roofing, we offer written warranties on labor and materials — and we’re a local company you can call anytime. 📉 4. They Can Jeopardize Your Insurance ClaimIf a low-bid roofer doesn’t follow manufacturer specs or building codes, your insurance company may deny future claims related to that roof. Cheap contractors can cause long-term issues that won’t be covered. 🚨 5. They Might Disappear Before the Job Is DoneThis is especially common after major hailstorms. Some "storm chasers" travel from out of state, take deposits, and vanish without finishing the job — or even starting it. Check Google reviews, verify a local office address, and make sure the roofer has a real presence in Colorado Springs. How to Choose the Right Roofing Contractor in Colorado SpringsHere’s a checklist to help homeowners avoid the trap of low-cost bids: ✅ Licensed & insured in El Paso County ✅ Local business with verifiable reviews ✅ Written estimate with clear scope of work ✅ Labor & material warranties provided ✅ Experience with storm damage and insurance claims ✅ No high-pressure sales tactics At MD Roofing, we check every box — and we take care of your home like it’s our own. Real Talk: Insurance Pays for Quality — Use ItIf your roof damage is covered by insurance, you’re already paying for the repair with your insurance premiums — your only cost is the deductible. Going with the cheapest roofer doesn’t save you money. It increases your risk. Instead, choose a contractor who gets the job done right, works with your adjuster, and ensures the full scope of damage is covered. Don’t Gamble With Your Roof — Get a Trusted Inspection Today If you’ve had storm damage or are evaluating bids, let MD Roofing give you a second opinion. We’ll walk your roof, explain your insurance coverage, and make sure you’re getting the high-quality work your home deserves. 📞 Call (719) 591-2142 🌐 Visit md360roofing.com 📍 Serving Colorado Springs & surrounding areas After a storm hits Colorado Springs, your first instinct might be to check your roof — and you should. But calling your insurance company too early can cost you. Instead, start with a free, no-obligation inspection by a professional contractor who knows how to assess storm damage and deal with insurance companies. At MD Roofing, we make sure you're protected — and that your claim gets taken seriously. What’s Included in a Free Roof Inspection? Our inspections are thorough, fast, and designed to find even hidden storm damage. Here’s what we look for: ✅ Missing or lifted shingles ✅ Granule loss from hail impact ✅ Cracks or splits in flashing or sealants ✅ Signs of water intrusion or leaks ✅ Gutter, fascia, or soffit damage ✅ Damage to vents, skylights, or chimney caps We take photos, document findings, and give you a written summary — no pressure, no games. Why Not Call Insurance First? Because if there's not enough damage, your claim could be denied — and that denial stays on your record. Let MD Roofing confirm real storm damage first. If it’s worth filing, we’ll walk you through it and even meet your adjuster onsite to advocate for a fair assessment. “Most homeowners don’t know that we can meet the insurance adjuster to make sure nothing is missed. We’ve helped hundreds of clients avoid underpaid claims.” — MD Roofing Team Will It Cost Me Anything? Nope. Not a cent. Our roof inspections are completely free. We’re local, licensed, and trusted by Colorado Springs homeowners for one reason — we get results. If your insurance covers the damage, you’ll usually only pay your deductible. We handle the rest, from start to finish. What Happens After the Inspection? Here’s the process:
Don’t Delay — Time Limits Apply Most insurance policies give you up to 12 months to file a claim after storm damage — but the longer you wait, the harder it gets to prove your case. Tip: Even if your roof looks fine from the ground, hail damage can take months to show up inside your home. Worried about roof damage from a recent storm? Book your free roof inspection with MD Roofing today — and let us help you through the insurance process from start to finish. 📞 (719) 591-2142 🌐 md360roofing.com 🕑 Fast, friendly, no-pressure service  In Colorado Springs, severe weather can wreak havoc on your home's exterior, including stucco finishes. Understanding whether your homeowner's insurance policy covers stucco repairs after a storm is crucial. This guide will help you navigate the process and ensure your home is restored to its original condition. Understanding Stucco Damage: Stucco is a durable material, but it's not immune to storm damage. Hail, wind, and heavy rain can cause cracks, chips, or even large sections to break away. Identifying this damage early is essential to prevent further deterioration. Does Homeowner's Insurance Cover Stucco Damage? Typically, homeowner's insurance policies cover sudden and accidental damages, including those caused by storms. However, coverage can vary based on your specific policy and the cause of the damage. It's important to review your policy details or consult with your insurance agent to confirm coverage. Steps to Take After Discovering Stucco Damage:
How MD Roofing Can Help: Our team specializes in storm damage repairs, including stucco restoration. We work closely with insurance companies to ensure your claim is processed smoothly and your home is repaired promptly. Storms can cause significant damage to your home's stucco, but with the right steps, repairs can be straightforward. Understanding your insurance coverage and working with experienced professionals like MD Roofing ensures your home is in good hands. If your home has suffered stucco damage from a recent storm, contact MD Roofing today for a free inspection and assistance with your insurance claim. (7190 591-2142
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