Hagerty has been good about issuing subsequent check(s) for additional work.
If the field adjuster came to your house, you will probably get a low number. Meeting the adjuster at the body shop will usually result in a higher number.
Either way, the field adjuster has to send the report to corporate, where it is tweaked (usually lower).
If the body shop finds additional "damage" or "costs" higher than estimated after the work is started, an invoice or estimate is sent to Hagerty and they will cut you another check. This can usually be done several times.
The last page of your priced estimate from Hagerty should have a statement about "supplementals".
John
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