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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How Roofing Contractors Maximize Insurance Payouts Without an Attorney

By Kyle Hamrick · March 22, 2026

When a contractor gets a carrier estimate that's clearly too low, the instinct is often to call a public adjuster or look into legal options. That's rarely the right first move — and it's almost never necessary on a standard roofing claim. Professional supplement writing recovers most of what's missing, faster and cheaper than any legal route.

The Supplement Process Is Built Into the System

The insurance claim process explicitly allows for supplements. A supplement is a formal request to the carrier to revise the scope and pricing based on additional information. It's not a dispute or a legal action — it's a normal part of claim resolution that carriers process every day.

Most initial estimates are written with the expectation that supplements will follow. The carrier's adjusters know the estimate is conservative. Professional supplement companies know this too. The back-and-forth is expected.

What Professional Supplement Writing Does

A licensed supplement writer reviews the carrier's estimate line by line, identifies every missed or underpriced item, writes the revised estimate in Xactimate, and submits it to the carrier with supporting documentation. No attorneys. No demand letters. No appraisal process — unless absolutely necessary.

On the vast majority of roofing claims, the supplement process works. Carriers approve legitimate line items when they're documented correctly. The key is knowing exactly what to ask for and how to frame it within the Xactimate scope format.

The 5 Things That Maximize Insurance Payouts

Document everything before work starts

Photos, measurements, inspection reports. The more documentation you have, the stronger your supplement position. You can't supplement what you can't document.

Don't accept the initial estimate as final

Treat it as a starting point. Every initial estimate has supplementable items. The question is how many — not whether.

Use a licensed IA who knows Xactimate

Anyone can write a list of missed items. The supplement has to be written in Xactimate format with the correct line items and supporting justification. A licensed insurance adjuster who writes in Xactimate daily is the right person for this.

Follow up relentlessly

Supplements don't approve themselves. Consistent follow-up with the carrier — 2-3 times per week — is what moves claims from 'in review' to 'approved.'

Know when to escalate

Most claims resolve in the supplement process. When they don't — when a carrier is clearly acting in bad faith — that's when a public adjuster or attorney conversation is appropriate. Start with the supplement, escalate only when necessary.

The Guarantee

At The Estimate Company, we're confident enough in our supplement results to back them with a guarantee: work with us on at least 2 claims per week for 12 months, and you'll generate 6 figures minimum from supplement revenue. If you don't, we write you a $5,000 check.

No attorney needs to be involved. No appraisal process. Just professional supplement writing, aggressive follow-up, and results.

Start maximizing your claims

24hr turnaround. Licensed IAs. A $5,000 guarantee backing every engagement.

Roofing Supplements Email Kyle