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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15 Hail Damage Supplement Line Items Carriers Almost Always Miss

By Kyle Hamrick · March 22, 2026

After thousands of hail damage supplements, we've identified the line items that disappear from carrier estimates with remarkable consistency. Some are missed intentionally — carriers know contractors often won't fight them. Others are genuine oversights from adjusters working fast. Either way, these are your dollars. Here are the 15 we see missed most often.

1. Drip Edge Replacement

Hail impacts damage and deform drip edge regularly, but carriers almost never include it. Current code in most states also requires drip edge replacement when a full roof replacement is performed.

2. Synthetic Underlayment Upgrade

Many carriers price 15lb or 30lb felt when current building codes and manufacturer specs require synthetic underlayment. The upgrade cost is fully recoverable.

3. Ice and Water Shield (Full Perimeter)

Carriers frequently include minimal ice and water shield but skip the full perimeter requirement mandated by current IRC code and most local amendments.

4. Permit Fees

Building permits are required for full roof replacements in nearly every jurisdiction, yet carriers routinely omit them. Permit fees are a legitimate, recoverable line item.

5. Starter Shingle Strip

Starter strips are a code-required, manufacturer-required installation item. Carriers regularly price shingles for starter rather than a dedicated starter product.

6. Ridge Cap Shingles (3-Tab vs. Hip & Ridge)

When a roof has architectural shingles, the correct ridge cap is a hip and ridge cap product — not 3-tab cut-downs. Carriers often price the cheaper option.

7. Step Flashing Replacement

Hail damage often requires full step flashing replacement at wall intersections and chimneys. Adjusters frequently scope only partial flashing or omit it entirely.

8. Pipe Boot/Flashing Replacement

Rubber pipe boots degrade and crack, and hail impacts accelerate failure. These are consistently omitted from carrier estimates despite being required for a code-compliant installation.

9. Gutter Replacement or Repair

Carriers will sometimes acknowledge gutter damage but price repair only when full replacement is warranted. Verify per-linear-foot pricing against current market rates.

10. Detach and Reset vs. Remove and Replace

Soft metals, satellite dishes, solar panels, and HVAC equipment on roofs all require labor to detach during installation and reset afterward. These D&R line items disappear from estimates regularly.

11. Roof Decking Replacement

Carriers frequently cap decking replacement at a small percentage. If inspection reveals widespread soft spots or damaged OSB, supplement for the actual footage.

12. Overhead and Profit (O&P)

On any job requiring general contractor coordination — multiple trades, interior repairs, scheduling — O&P is warranted. Carriers fight this but it's well-supported in case law.

13. Additional Labor for Steep Slope

Pitches above 7:12 require additional time and safety equipment. Most carriers include basic steep slope pricing but at reduced rates that don't reflect actual labor cost.

14. Solar Panel Removal and Reinstall

If a home has solar, removal and reinstall pricing is substantial and almost always missing from the initial carrier estimate. Requires coordination with solar company documentation.

15. Satellite Dish Relocation

Small item, but frequently overlooked. Satellite dishes or antennas on the roof require careful removal and precise reinstall — and the line item is fully recoverable.

Not every one of these applies to every claim — but on a typical full-replacement hail job, 8 to 12 of these items are probably missing from the carrier's initial estimate. The cumulative value across a single claim can easily reach $3,000 to $10,000+. Across a storm season of 30 jobs, that's potentially $90,000 to $300,000+ in recoverable supplement dollars.

This is exactly why professional supplementing exists — and why The Estimate Company focuses exclusively on it.

See what's missing from your claims

Send us a carrier estimate. We'll show you every missed line item within 24 hours.

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