Why did you start The Estimate Company?

Seven years ago, we saw a shift coming to the industry where contractors were going to have the opportunity to capture more business through insurance repair relationships. We also saw a clear gap between what insurance companies were paying and what they should be paying. Legitimate items are left off estimates constantly: code upgrades, missing line items, manufacturer standards. We built a due-diligence process to comb through every estimate and include every line item that's warranted. Nothing more, nothing less. That's why our relationships with insurance companies are strong.

What results have you achieved for contractors?

We have 4 contractors who, within 12 months of working with us, brought in an additional 6 figures of supplemental income that was previously left on the table.

What makes you different from other supplement companies?

Multi-state adjuster licenses across SC, NC, GA, TX, and AL. Next-day turnaround. 20+ years of independent adjuster experience across 50+ carriers. When we write a supplement, it's written in the language adjusters accept, with F9 notes, photo documentation, and code citations on every line item. No fluff. No kitchen-sink padding. Just defensible, verifiable line items.

I'm new to supplementing. What can you guarantee?

Send us an average of 2 insurance claims per week for one year, and we guarantee a minimum of six figures in additional profit margins. If we don't hit that goal, we'll write you a check for $5,000 at the end of 12 months. At our current rate, our fee is 15% of what we recover, which means for every dollar you pay us, you're getting more than 5x back. That's a 500%+ return on every supplemented claim.

How does a roofing supplement company work?

We review the carrier's original estimate, identify every line item that's missing, underpaid, or inconsistent with local codes and manufacturer standards, then write a supplemental Xactimate estimate. We submit it directly to the desk adjuster with documentation (photos, code citations, manufacturer specs) and follow up 2-3x per week until it's resolved. You get paid more without doing the paperwork.

What does a roofing supplement company charge?

We charge 15% of what we recover beyond the carrier's original payment. You pay nothing unless we get you more money. At that rate, for every dollar you pay us, you're getting more than 5x back, a 500%+ return.

How long does a roof supplement take?

Most residential supplements are written and submitted same-day or next-day. Larger supplement and retail jobs may take 1-3 extra days; large commercial projects take longer, and we'll always tell you the realistic timeline upfront. Carrier response typically takes 1-3 weeks depending on the carrier and complexity. We follow up every 2-3 days. Most supplements are resolved within 2-4 weeks from submission.

Is hiring a supplement company worth it?

At 15% contingency, yes. Almost always. On claims where the roof is already approved for full replacement, our own closed files show a median recovery of about $4,000, with half landing between roughly $1,800 and $9,500. Claims that start denied or repair-only run far higher. You pay the contingency only on what we actually recover, so the fee comes out of money you did not have before we wrote the file.

What is a roof supplement?

A roof supplement is a formal request to an insurance carrier to revise their original estimate upward, adding line items they missed (starter strip, ice & water shield, drip edge, high-profile ridge cap, steep slope charges, etc.) or correcting underpaid quantities. It's submitted as a Xactimate estimate with supporting documentation.

What line items do carriers most commonly miss?

Starter strip at eaves and rakes, ice & water shield, high-profile ridge cap, step flashing, drip edge replacement, dumpster/haul-away, steep slope labor surcharges, and renail sheathing when required by code. Individually they look small. On a full replacement they are the difference between an estimate that covers the job and one the contractor eats.

Do you work with all insurance carriers?

Yes. We've worked across 50+ carriers including State Farm, Allstate, USAA, Travelers, Nationwide, Farmers, Progressive, Liberty Mutual, and most regional carriers. Each carrier has different internal guidelines. We know them and write accordingly.

Can you help if a claim was denied?

Yes. Denials are often overturnable. We review the denial reason, build a documented rebuttal with code citations and photo evidence, and submit a formal supplement or re-inspection request. We've overturned denied roof claims and converted partial payments to full approvals.

What is Xactimate and why does it matter?

Xactimate is the industry-standard estimating software used by virtually every major insurance carrier. Supplements written in Xactimate are taken seriously by desk adjusters. We build every estimate natively in Xactimate. Not a spreadsheet, not a PDF, not a contractor invoice. That's why our supplements get approved.

Do you work with contractors outside your licensed states?

Yes. We serve roofing contractors nationwide. Our adjuster licenses (SC, NC, GA, TX, AL) allow us to operate as licensed IAs in those states, but we write supplements and estimates for contractors in all 50 states. The license is about our credentials, not our coverage area.

What is AccuLynx and can you work in it?

AccuLynx is a roofing-specific CRM used by many mid-to-large contractors to manage jobs, documents, and measurements. Yes. We can work directly inside your AccuLynx account using your existing templates and workflows. Most supplement companies can't do this. We can.

How do I send you a file?

Email us the carrier's estimate (PDF), your EagleView or measurement report, any photos of missed damage, and a brief note on anything specific about the claim. That's it. We handle the rest, same-day or next-day for most residential jobs.

← Blog

The Complete Hail Damage Supplement Checklist for Roofing Contractors

By Kyle Hamrick, Founder

A complete hail damage supplement requires the right documentation, the right line items, and the right submission process. Most claims that underperform fail at one of these three points, not because the coverage wasn't there.

Use this checklist on every hail job. It covers what to gather before you write, every line item category to verify, and what a proper submission looks like.

Documentation to Gather Before Supplementing

☑

Carrier's initial estimate (PDF or Xactimate file)

☑

Inspection photos: all slopes, all elevations, close-up impact shots

☑

Aerial measurement report (EagleView or equivalent)

☑

Storm data report showing hail size and event date

☑

Manufacturer specs for proposed replacement shingles

☑

Local building code requirements for drip edge, ice/water, ventilation

☑

Any prior supplement correspondence with the carrier

Roofing Line Items to Check on Every Claim

☑

Starter strip: should be starter product, not cut shingles

☑

High-profile ridge cap: verify carrier priced architectural cap, not 3-tab

☑

Ice and water shield: verify full perimeter per local code, not minimal coverage

☑

Synthetic underlayment: if current code requires it, it's recoverable

☑

Drip edge: required on replacement; frequently missing from carrier estimates

☑

Step flashing: at all wall intersections, chimneys, and protrusions

☑

Pipe jacks and boots: replacement warranted on most full re-roofs

☑

Continuous ridge vent or off-ridge vents: verify replacement included

☑

Steep slope charge: verify correct pitch bracket was used

☑

Renailing sheathing: required by code in many jurisdictions on re-roof

☑

OSB replacement: audit actual damaged percentage vs. carrier cap

Additional Items Often Missed

☑

Satellite dish: detach and reset labor

☑

Power vent: remove and replace, not just disconnect

☑

Dumpster upgrade: if debris volume exceeds basic haul-off allowance

☑

Gutter replacement: per-LF carrier pricing vs. current market rate

☑

Fascia board damage: check at all guttered areas

☑

Permit fees: required in nearly every jurisdiction, almost always missing

☑

Overhead and profit: warranted on jobs requiring GC coordination

☑

Cap flashing at chimney, often listed as repair when replacement is warranted

Supplement Submission Checklist

☑

Supplement written in Xactimate with current pricing

☑

All missed items supported by photos

☑

Code requirements cited with jurisdiction reference when applicable

☑

Carrier notified in writing of supplement submission

☑

Follow-up scheduled within 3-5 business days

How Many Items Should Be on a Typical Hail Supplement?

On a full-replacement hail claim for an average residential roof, you should expect 8 to 15 supplemental items on top of the carrier's initial scope. On claims where the roof is already approved for full replacement, our closed files show a median recovery of about $4,000, with half landing between roughly $1,800 and $9,500.

If your supplement has 2-3 items, you're probably leaving money on the table. If you're not sure what you're missing, send us the carrier estimate and we'll show you.

Want us to run the checklist on your claims?

We audit carrier estimates and write complete supplements with next-day turnaround. Nothing gets missed.

Hail Damage Supplements Email Kyle