Why You Might Receive a Second Insurance Check — And What It’s For

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:

• Additional roofing components uncovered during construction
• Building code upgrades not initially visible
• Labor or materials missed in the first estimate
• Specialty materials required for proper repair

Once approved, the insurance company issues a second check to cover these added expenses.

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:

• After your project is completed, we send a final invoice to your insurance carrier and copy you on the communication.
• Most insurance companies issue the final check within 1 week give or take.
• To give you time to receive the check, we wait 14 days before reaching out for final payment.

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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