The timeline matters here. VSS Carriers reported the alleged hail damage on March 3, 2025, more than five months after the September 25, 2024 loss. Travelers issued an initial payment of $257,773.68, followed by a supplemental $285,116.59, totaling $542,890.27. VSS Carriers rejected this and claimed the damage should be valued at $896,812.40, insisting on an additional $148,082.27 for general contractor overhead and profit.