What is a roofing supplement company?

A roofing supplement company reviews insurance carrier estimates, identifies missing or underpaid line items, writes a supplemental Xactimate estimate, and submits it to the carrier for additional payment. The Estimate Company is run by licensed independent adjusters who know exactly what carriers look for.

How does Xactimate supplementing work for roofing contractors?

Xactimate supplementing starts when a roofing contractor sends us the carrier's initial estimate. We review every line item against current price lists and manufacturer requirements, identify underpaid or missing items, write an updated Xactimate estimate with F9 notes and photo documentation, and submit it to the insurance carrier. We follow up 2-3 times per week until the supplement is approved.

What states do you write roofing supplements in?

The Estimate Company holds active insurance adjuster licenses in South Carolina, North Carolina, Georgia, Texas, and Alabama. We write Xactimate supplements and insurance estimates for roofing contractors across all 50 states.

How fast is your Xactimate turnaround?

We submit supplements to the desk adjuster within 24 hours of receiving the file — every time. Most other supplement companies take 5-7 business days. Our next-day turnaround is standard, not a premium.

What is your fee for roofing supplement services?

We charge 15% of the supplemental recovery — the difference we recover beyond the carrier's initial payout. You pay nothing unless we recover more for you. For contractors sending 2+ claims per week, we guarantee a minimum of six figures in additional margins over 12 months, or we write you a $5,000 check.

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.

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The Complete Hail Damage Supplement Checklist for Roofing Contractors

By Kyle Hamrick · March 22, 2026

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

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Carrier's initial estimate (PDF or Xactimate file)

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

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Aerial measurement report (EagleView or equivalent)

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Storm data report showing hail size and event date

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Manufacturer specs for proposed replacement shingles

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

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Any prior supplement correspondence with the carrier

Roofing Line Items to Check on Every Claim

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Starter strip — should be starter product, not cut shingles

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

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

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

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

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

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

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

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Steep slope charge — verify correct pitch bracket was used

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

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OSB replacement — audit actual damaged percentage vs. carrier cap

Additional Items Often Missed

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Satellite dish — detach and reset labor

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Power vent — remove and replace, not just disconnect

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

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

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Fascia board damage — check at all guttered areas

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

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Overhead and profit — warranted on jobs requiring GC coordination

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

Supplement Submission Checklist

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Supplement written in Xactimate with current pricing

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All missed items supported by photos

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Code requirements cited with jurisdiction reference when applicable

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Carrier notified in writing of supplement submission

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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. Cumulative value typically runs $2,000 to $8,000+ per claim depending on roof size, pitch, and accessories.

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 24hr turnaround. Nothing gets missed.

Hail Damage Supplements Email Kyle