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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Wind Damage Roofing Supplements: Every Line Item That Should Be on the Estimate

By Kyle Hamrick · March 22, 2026

Wind damage claims are structurally different from hail claims — and they're handled differently by carriers. Hail damage is typically uniform across a slope. Wind damage is directional, irregular, and often concentrated on specific slopes or areas. That irregularity makes wind claims easier for adjusters to underscope.

The Partial Replacement Problem

Wind damage frequently affects one slope while leaving others intact. Carriers use this to scope partial replacement — just the windward slope, just the area with lifted shingles. The problem is shingle match.

When the damaged slope is replaced but the undamaged slopes remain, the result is a visually inconsistent roof. If the exact shingle line is discontinued or the color batch doesn't match, the carrier owes full replacement. Documenting shingle match unavailability is one of the most valuable steps in a wind damage supplement.

Line Items Carriers Miss on Wind Claims

Step flashing at all wall intersections

Wind uplift compromises step flashing across the full roof, not just the damaged slope. All step flashing at wall intersections, chimneys, and pipe protrusions should be included.

Rake edge drip edge

Wind most commonly damages the rake-edge drip edge, bending or tearing it away from the fascia. This needs to be scoped separately from eave drip edge.

Fascia damage from wind-driven debris

Wind events carry debris that impacts fascia boards directly. Fascia damage is often present on windward exposures but not scoped in the initial estimate.

Gutter damage and separation

High winds cause gutter sections to separate from fascia, bend, or pull hangers. Per-LF replacement pricing should reflect actual market cost, not Xactimate minimum.

Soffit damage on windward sides

Wind uplift pops soffit panels and bends vented soffit material. This is regularly present but absent from carrier estimates.

Detach and reset — all roof-mounted items

Satellite dishes, HVAC equipment, solar panels, and vent caps all require detach and reset on any re-roof work. Wind claims are no exception.

Ridge cap replacement from uplift

Wind lifts ridge cap from one side of hips or the full ridge. Carriers sometimes scope partial ridge cap when the full run should be replaced.

Water intrusion damage at lifted shingles

Wind-lifted shingles allow water in before repair. Interior attic damage, insulation saturation, or ceiling damage at the affected slope should be documented and supplemented.

Shingle match documentation and replacement

If the damaged slope shingles are discontinued or can't be matched, document this with supplier confirmation and supplement for full replacement.

Wind Damage Supplement Documentation

Wind damage requires direction-specific documentation. Photo all four elevations, mark which slopes/areas were affected, and document the storm event (date, recorded wind speed, direction). Wind speed data from weather stations or storm reports strengthens the supplement position significantly.

When Partial Becomes Full

The path from “carrier wants to replace one slope” to “full replacement approved” runs through shingle match documentation, visible aesthetic impact documentation, and sometimes a formal letter from the shingle manufacturer or supplier. We know what documentation carriers accept and we get it.

Have a wind damage claim that's being underscoped?

Send us the carrier estimate and photos. We'll write the supplement to recover every missed item.

Wind Damage Supplements Email Kyle