Insurance Adjuster Missed Window Damage — Asking for a Supplement
The check came and the scope lists three windows, but six screens are torn and a sash on the back is cracked. Here is how the missing items get documented and back in front of your insurer.
When the insurance adjuster missed window damage, you can ask your insurer to reopen or supplement the claim. JMB Builders compares the approved scope to the house line by line, photographs what was left off — screens, glass, sashes, interior trim disturbed by the repair — and writes it up in the terms the insurer uses. You send it in; we meet the adjuster on a re-inspection. Twin Cities metro, priced per project.
- Approved scope checked against the house
- Missed items photographed and listed
- You send it; we meet the re-inspection
- Licensed MN contractor BC809005
An approved scope is a list, and lists miss things. The adjuster walked the front of the house, not the back. The screens were down for the season. A pane looked fine the day of the inspection and fogged two months later. Or the scope pays for a new window but not for the interior casing and stool that have to come off to put it in. None of that means the claim is over. Most insurers let you ask for a supplement or a re-inspection when damage from the same storm was left off.
The work is a comparison. We take the approved scope and walk the house with it, opening by opening. Anything damaged that is not on it gets photographed with a scale reference and written as its own line: screen, glass unit, sash, full unit, interior stop, casing or stool disturbed by the repair, removal and disposal, second-story access, painting. The list is written in the same terms as the insurer's scope so it can be checked item against item.
You send it to your insurer and ask for the claim to be reopened or supplemented; the claim is yours, and we do not negotiate it for you. We meet the adjuster if they come back out, and do the added work once it is approved. Minnesota law bars a contractor from waiving, rebating or paying your deductible, and we do not.
What you supply
- The adjuster's approved scope and estimate, all pages
- Your claim number and the date of the storm
- Anything you noticed after the inspection, with the date you first saw it
- Access to every window, including the back of the house and the second floor
- Screens that were taken down or stored, so they can be counted too
What JMB supplies
- A walk of the house against the approved scope, opening by opening
- Photos of each missed item with a scale reference
- A line-item list of what was left off, in the insurer's terms
- Install items the scope skipped: removal, disposal, interior trim, access, painting
- Meeting the adjuster on a re-inspection, when you want us there
- The added repair once approved, with finished photos in your job folder
How it is priced: per project
Quoted in writing from your photos within one business day. What moves the number:
- How many openings on the house have to be checked against the scope
- How many items were missed, and whether they are screens, glass, sashes or full units
- Second-story openings that need ladders or staging
- A return visit to meet the adjuster on a re-inspection
- Whether JMB is also doing the approved repair or only the missed items
Send the approved scope and photos of what you think was missed. We tell you whether it looks worth a supplement before anything is written up.
How long it takes
Walk against the scope: one visit, an hour or two on a typical house. The list of missed items follows within a few business days. The insurer sets the pace from there.
How your project works
- 1
Send photos, get a written quote
Send three photos of the space and a sentence about what you want. You get a clear, itemized quote within one business day. We only come out to measure first when the job needs a tape measure — no pressure, no games.
- 2
Pick materials, or bring your own
We help you choose profiles and materials that fit the house and the budget, or match your existing millwork exactly — or you buy the door or trim yourself and we install it. Everything is confirmed before the crew is scheduled.
- 3
Clean, precise installation
The crew shows up on time, protects floors and furniture, and installs with tight joints and consistent reveals. Photos of the finished work go in your job folder.
- 4
Walkthrough and invoice
We walk the finished work with you. If anything is not right, we fix it before we call the job done. Then one invoice, paid by check or direct deposit — no card fees, no payment links.
Situations and options
Screens left off
The most common miss. Screens on the back, on the second floor, or down for the season never got counted. Every one gets a number, a size and a photo, marked torn mesh or bent frame.
Glass or sash missed
A chipped pane or a split sash corner on a side the adjuster did not walk, or a seal that fogged weeks after the storm. Photographed, dated and listed as glass, sash or full unit.
Interior trim disturbed by the repair
The scope pays for a new window but not the stops, casing, stool or apron that come off to install it. Those are listed as their own lines, with painting as a separate line.
Install items
Removal and disposal, sill pan and flashing on a full-unit replacement, and ladders or staging for second-story windows. Real costs of doing the approved work that the scope left out.
Insurance Adjuster Missed Window Damage — Asking for a Supplement: questions, answered
What do I do if the insurance adjuster missed window damage?
Get the approved scope, all pages, and walk the house with it. Photograph anything damaged that is not on it, with a tape or coin in the shot, and write down where it is. Then ask your insurer in writing to supplement the claim or send the adjuster back. A contractor's photos and line items in the insurer's terms make that request easy to check.
Can I reopen a homeowners claim after it has been paid?
Most insurers accept a supplement or a request to reopen when more damage from the same storm turns up after payment. Policies have time limits for this, so check yours and do not wait. Tie the new items to the original date of loss with photos and a note of when you first saw them.
What does an adjuster usually miss on a window claim?
Screens, especially on the back and second floor or ones that were stored. Glass that fogged after the inspection. Cracked sash corners on the sides nobody walked. And the install items: interior stops, casing and stool that come off to replace a window, removal and disposal, and ladders or staging for upper windows.
Will you send the supplement to my insurance company for me?
No. The claim is yours, and in Minnesota a contractor does not negotiate a claim on your behalf. We give you the photos and the line-item list of what was missed, you send it to your insurer with your request, and we meet the adjuster if they come back out.
Can hail damage to windows be added to a roof claim?
Usually, yes, when the same storm did it. Window, door and screen damage is often left off a claim that was mostly about the roof. Ask your insurer to add it under the same claim and date of loss, with photos and a line-item list for each opening.
What if the insurance company still says no to the supplement?
Ask for the decision in writing and what was looked at. You can ask for a re-inspection with your contractor there. If you think the claim was handled wrong, the Minnesota Department of Commerce takes complaints about insurers.
Recent JMB work, from our job log
59 installs recorded across 30 Twin Cities communities since Dec 2025. Window and door installs for homeowners and for the builders and dealers we sub for. Counts come straight from our job log; no customer names.
Get a written quote for this job
Three photos and a sentence is enough. You hear back within one business day. Or text the photos to 763-204-2099.
Related jobs we do
Contractor Estimate for Window Insurance Claim, Line by Line
The adjuster is coming Thursday and you want something on paper that lists every window and door the storm hit. This is what that estimate should look like and what goes in it.
Read moreHail Damaged Window Screens Replacement — Rescreen or New Frames
Hail shredded the screens on the storm side and dented a few frames. Before anything gets fixed, every screen gets counted, sized and photographed so none is left off the claim.
Read moreHail Damage Window Replacement — Cracked Glass, Sashes and Frames
Hail left star cracks in the glass, dents in the vinyl sill and a sash that will not close tight. Here is how each one gets fixed, and what goes on the list for your adjuster.
Read moreHail Damage Roof Inspection and Insurance Claim Repair
After a hailstorm the question is simple: is there real damage, and is it enough to matter? We look, we document, and we tell you straight before anyone calls your insurance company.
Read moreWindow Trim Water Damage Repair — Casing, Stool and Apron Replaced
The paint on the window trim is bubbling, the bottom of the casing has swelled into a lump, and there is a brown line on the apron. The leak is fixed or about to be. Now the trim needs to be replaced, not painted over.
Read moreAdjuster Says Hail Damage to Windows Is Cosmetic — What to Photograph
The adjuster walked around, saw dents and chips, and called it cosmetic. Before you accept that, check each window for damage that affects how it works.
Read morePage reviewed September 26, 2026 · JMB Builders LLC, MN license BC809005 · All insurance repairs pages
Where we work
Insurance repairs near you
Based in Zimmerman, scheduling across the Twin Cities metro. Closest first: