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.

What to Look for in a Roofing Supplement Company Guarantee

Before you hand your claims to a roofing supplement company, ask them one question: What happens if it doesn't work out?

Most will change the subject. Because most roofing supplement companies offer no guarantee at all. You pay their fee (or percentage), they submit the supplement, and whatever happens — happens. If it falls short, that's your problem.

That's the industry standard. And it's not good enough.

Why Most Companies Don't Offer Guarantees

The honest reason is confidence — or the lack of it. A company that genuinely knows what they're doing isn't afraid to put skin in the game. A company that's guessing, outsourcing, or using junior writers? They'll never commit to results.

Guarantees also require you to actually know your numbers. If you don't track what you're recovering per claim, how your clients' margins are changing, and whether your supplements are actually getting approved — you can't offer a guarantee. You don't have the data.

What a Real Guarantee Looks Like

A real guarantee has three components:

Specificity. Not "we'll do our best" — a concrete, measurable outcome. Dollar amounts. Timeframes. Something you can point to and say: did we hit this or not?
Accountability. What happens if they miss? If there's no consequence, it's not a guarantee — it's a marketing line.
Reasonableness. The guarantee should require consistent engagement from both sides. Two claims a week for a year is reasonable. One claim every three months is not a real test of the system.

Red Flags to Watch For

❌ "We guarantee results" with no specifics — meaningless
❌ Flat fee per supplement with no contingency — they get paid whether or not the carrier approves anything
❌ No follow-up process — submitting a supplement and waiting is not a strategy
❌ No IA credentials — people writing supplements without licensed adjuster experience are guessing at what carriers will accept
❌ Offshore or outsourced writers — common in the industry, rarely disclosed

What We Offer at The Estimate Company

Our guarantee is simple and specific: work with us on 2 claims per week for 12 months, and you'll add a minimum of 6 figures to your margins. Miss that mark — we write you a $5,000 check.

We can make that offer because we know our numbers. We've processed 20,000+ estimates and 5,000+ supplements. We know what carriers pay, what they miss, and how to close the gap. Kyle and Lexie Hamrick are licensed independent adjusters — they've sat on both sides of this process for over 40 years combined.

We also follow up with carriers 2–3 times per week. We don't submit and hope. We push until it closes.

The Bottom Line

The roofing supplement industry is full of companies that will happily take your percentage and deliver mediocre results with no accountability. The guarantee separates the ones who know what they're doing from the ones who are winging it.

Demand specifics. Demand accountability. And if a company can't answer the question "what happens if it doesn't work out" — keep looking.

Ready to work with a company that backs it up?

Two claims a week. Twelve months. Six figures minimum — or we write you a $5,000 check.

Get Started