Working AIG roof claims is different from standard insurance work, and if you're not dialed in, you're leaving money on the table. Let me walk you through what actually works when you're dealing with AIG commercial roofing claims.
How AIG Handles Roof Claims
AIG processes commercial roof claims through their standard adjuster network, but here's the key: they're more documentation-heavy than most carriers. When you submit initial documentation, AIG wants detailed scope sheets, not rough estimates. They're looking for specificity on square footage, material types, and existing conditions. Unlike some carriers that'll approve broad scopes, AIG typically narrows things down. Expect their first response to be conservative. That's actually fine—it's where supplements come in.
AIG's approval rates on first submissions run around 60-65% of requested scope. That's actually middle-of-the-road for commercial claims, but it means you need to budget for supplement rounds. Their adjusters are generally reasonable, but they require photo documentation for nearly everything. Missing photos means delays.
Specific Commercial Roofing Tips That Work
First, always photograph moisture readings. If you're finding wet decking or insulation, AIG will ask for moisture mapping data. Have that ready before the adjuster asks. Second, get ahead of the weather argument. Document what weather events preceded the damage claim. AIG tracks weather reports extensively—if you can prove hail or wind speeds aligned with claim date, you're golden.
Third tip: present your scope in sections. Instead of one massive scope, break it into (1) emergency mitigation, (2) structural assessment, (3) base repair, and (4) restoration. This approach helps adjusters understand the progression and makes supplements feel natural rather than adversarial.
Common Mistakes Contractors Make
The biggest mistake? Presenting an estimate instead of a repair scope. AIG hates that. They want to know *why* something needs replacement, not just that it does. If you're recommending a full membrane replacement, explain the deterioration, provide core samples if available, and reference industry standards.
Second mistake: underestimating supplement rounds. Contractors often think they'll get one shot. AIG typically requires 2-3 supplement rounds on commercial claims. Plan for it. Third mistake: poor documentation of existing conditions. Photograph everything before starting work. AIG wants before-and-after proof, especially on hidden elements like structural damage or old patches.
Using Roofing OS for AIG Supplements
Roofing OS is built for exactly this workflow. Log your initial scope with photos tagged by category. The software tracks what you submitted and what AIG approved—critical for building supplements that address specific denials. Use the supplement module to attach the original scope, then clearly highlight *new* findings with timestamps and photos. This audit trail is what AIG's second-level adjusters want to see.
The software also lets you track supplement timelines. AIG generally responds to supplements within 10-15 business days. Flag dates in Roofing OS so you're not chasing them blindly.
Real Numbers: What to Expect
On a typical 20,000-square-foot commercial roof claim, initial scope approval averages 65-70% of submitted amount. First supplements typically recoup 40-50% of initial denials. Second supplements hit about 30-40% of what's still outstanding. The remaining 10-15% usually represents items AIG classifies as maintenance rather than loss—accept that and move on.
Dollar-wise, expect first supplements averaging $8,000-$15,000 on mid-size commercial claims. Second supplements drop to $3,000-$7,000. AIG's average approval rate across all supplements sits around 75-80%—better than most carriers if you're thorough.
Bottom line: AIG is fair, but they require documentation and patience. Build your workflow around multiple supplement rounds, photograph obsessively, and present scope as investigation, not demand. That's how you maximize AIG claims.
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