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 Long Should a Roofing Supplement Take? (And What to Do When It's Too Slow)

By Kyle Hamrick · March 22, 2026

Roofing contractors manage cash flow. Every day a supplement sits unwritten, unsubmitted, or stuck in “carrier review” is a day that supplemental check isn't in the bank. Supplement turnaround time matters — both on your end and the carrier's end.

What's a Normal Supplement Writing Turnaround?

Industry average for supplement company turnaround is 5-10 business days from receiving the job documentation to delivering a written supplement. Some companies take longer during storm season. Some take longer on complex claims.

We deliver in 24 hours. That's not a storm-season exception — it's our standard operating procedure. You send us the job in the morning, we submit the supplement the next morning.

Why Speed Matters

Earlier submission = earlier payment

The clock on carrier review doesn't start until you submit. Every day you're waiting on your supplement company is a day the carrier isn't reviewing it.

Carrier follow-up windows

Carriers have internal review timelines. If your supplement is submitted Monday, you can follow up Thursday. If it's submitted 8 days later, you've lost a full follow-up cycle.

Job scheduling

On many claims, contractors don't want to start work until the supplement is at least submitted. Waiting a week for your supplement company delays job scheduling by a week.

Cash flow at volume

If you're running 20 claims/month and your supplement company is 7 days behind, you have $140,000+ in potential supplemental revenue stuck in a queue at any given time.

Carrier Review Timelines

Once a supplement is submitted, carrier review typically takes 1-4 weeks. Some carriers are faster; some (particularly after large storm events) can be slow. This is the one timeline you can't fully control. What you can control is follow-up frequency.

We follow up with carriers 2-3 times per week on every open supplement. Most claims respond to persistent follow-up within 2-3 weeks. Claims that go past 4 weeks without movement get escalated.

What to Do If Your Supplement Company Is Too Slow

If your current supplement company is taking more than 3 business days to deliver written supplements, that delay is costing you money. Here's what to do:

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Ask for a specific SLA — most companies won't have one, which tells you something
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Track your average submission-to-delivery time over 30 days
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Calculate the cash flow impact of the delay at your current volume
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Compare to a company that delivers in 24 hours

The 24-Hour Standard

At The Estimate Company, 24-hour supplement delivery isn't a marketing claim — it's operational. Kyle and Lexie Hamrick are licensed insurance adjusters with 40+ years of combined experience. They're not farming your claims out to junior estimators. They write fast because they've written thousands of these.

Ready for 24-hour turnaround?

Send us a job today. You'll have the supplement tomorrow. Guaranteed.

Roofing Supplements Email Kyle