Insurance Resource
Supplemental Claims & Depreciation Release in Missouri
The initial settlement check is rarely the last word on a Missouri roof claim. Most homeowners are entitled to more — through supplemental claims for missed damage and depreciation release after repairs are complete.
Two Ways to Recover More After a Roof Claim
Supplemental claims cover damage or costs that weren't included in the original settlement — items missed by the adjuster, code upgrades required by Missouri law, or damage discovered during the repair process.
Depreciation release applies to RCV policies only. Your insurer withholds depreciation from the initial payment and releases it after you complete repairs and submit proof. This is money you're already owed — you just have to claim it.
When to File a Supplemental Claim
Decking rot, damaged sheathing, and structural issues are often invisible until the old roof is removed. These are legitimate supplemental items.
Missouri building codes may require drip edge, ice and water shield, or ventilation upgrades when a roof is replaced. If these weren't in the original scope, they're supplemental.
If material costs increased between the adjuster's estimate and the actual repair, the difference may be recoverable as a supplement.
Starter strip, ridge cap, pipe boots, and other components that were omitted from the adjuster's estimate can be added via supplement.
Damage to skylights, HVAC equipment, or other components found after the initial inspection can be added to the claim.
How to Recover Withheld Depreciation
Receive your initial ACV payment
Your insurer pays the depreciated value first. Note the date — your depreciation release window starts here.
Complete the roof replacement
You must actually complete the work — not just sign a contract. Most policies require completion, not just a commitment to repair.
Gather documentation
Collect the final invoice, proof of payment (canceled check or credit card statement), and photos of the completed work.
Submit the depreciation release request
Send your documentation to your insurer in writing, referencing your claim number and requesting release of the withheld depreciation.
Follow up in writing
If you don't receive the release within 30 days, follow up in writing. Create a paper trail. Insurers are required to respond to claims promptly under Missouri law.
The Deadline You Can't Miss
Most Missouri RCV policies require you to complete repairs and file for the depreciation release within a set window — commonly 180 days to 2 years from the date of loss. After that window closes, the withheld depreciation is gone.
Supplemental claims are also subject to your policy's suit limitation clause. If you're approaching that deadline, file the supplement now — even if the documentation isn't complete — and follow up with supporting materials.
Don't Sign a "Full and Final Settlement" Without Reading It
Some insurance settlement checks include language on the back or in an accompanying letter that says "full and final settlement" or "payment in full." Endorsing that check can waive your right to file a supplemental claim or recover withheld depreciation.
Read everything before you sign. If you're unsure, consult a Missouri insurance attorney before endorsing a settlement check.
Leave Nothing on the Table
We help Missouri homeowners recover every dollar they're owed — supplemental claims, depreciation release, and full scope documentation. Free consultation.