The Insurance Supplement Company Built for Roofing Contractors

Understanding the Role of an Insurance Supplement Company in Roofing

When a homeowner files a roofing claim after storm damage, the insurance carrier sends an adjuster to assess the loss. That adjuster produces an estimate — typically built in Xactimate — that becomes the basis for the carrier's payment. The problem is that these estimates are consistently and systematically incomplete.

An insurance supplement company for roofing exists to close that gap. By reviewing the carrier's estimate against actual code requirements, manufacturer installation specs, and Xactimate's own pricing database, a professional supplement company can identify every item that was omitted, underpaid, or incorrectly priced — and submit a supplement claim to recover the difference.

The Estimate Company is that firm. We were founded by Licensed Insurance Adjusters with direct carrier experience, built specifically to serve roofing contractors who are tired of leaving money behind.

Why Insurance Carriers Underpay Roofing Claims

Insurance companies don't underpay by accident. Carrier adjusters are trained to use minimum scope standards, apply base pricing without modifiers, and omit items that technically require a specific contractor request. Over millions of claims, these small omissions add up to billions of dollars in unrealized contractor revenue.

The most common underpayment tactics include:

• Omitting code-required line items — Drip edge, starter shingles, synthetic underlayment, ice and water shield are all code-mandated in many jurisdictions. Adjusters routinely exclude them from initial estimates.
• Applying flat labor rates — Steep-slope roofs (over 7/12 pitch) require additional labor time and safety equipment. The Xactimate code RFG/HIGH accounts for this — but only when it's applied.
• Underestimating quantities — Ridge cap footage, step flashing linear feet, and drip edge length are frequently miscalculated or measured from satellite data that doesn't account for actual conditions.
• Bundling separate items — Detach and reset of gutters, for example, is a discrete Xactimate line item that carriers frequently absorb into base labor or skip entirely. It represents real contractor cost that deserves its own payment.
• Ignoring depreciation and ACV disputes — On actual cash value policies, carrier depreciation calculations often exceed what's legally defensible under the policy terms.

The Xactimate Line Items Every Roofing Supplement Should Include

If your carrier estimate is missing any of the following, you have a supplement opportunity. These are the line items our Licensed Adjusters look for on every single claim:

• RFG/ARMV — Ridge cap shingles: remove and replace. Separate from field shingle replacement and frequently underquantified.
• RFG/ASTR — Starter strip shingles. Required per manufacturer installation instructions on all major brands. No exceptions.
• RFG/IWS — Ice and water shield. Coverage varies by code, but carriers default to minimum. Extended coverage is often warranted.
• RFG/DRIP — Drip edge, eave and rake (two separate items). Both required by IRC. Commonly combined or partially omitted.
• RFG/STEP — Step flashing. Required wherever the roof plane meets a vertical wall. Often missed on homes with dormers, additions, or complex geometry.
• RFG/HIGH — Steep/high roof factor. Applicable above 7/12 pitch. Xactimate includes this modifier explicitly — adjusters frequently don't apply it.
• RFG/FELTSU — Synthetic underlayment. Distinct code from standard felt. Required by many manufacturer warranties and local codes, but regularly excluded from carrier estimates.

What Makes a Great Insurance Supplement Company for Roofing?

Not all insurance supplement companies are equal. The difference comes down to credentials, process, and carrier knowledge. Here's what to look for:

Licensed Insurance Adjuster Credentials

The most important differentiator is whether the people writing your supplements hold actual insurance adjuster licenses. A licensed adjuster has completed state-mandated training, passed licensing exams, and maintains continuing education requirements. They understand policy language, claims regulations, and how to communicate in a way that carrier reviewers respect.

Contractors, offshore writers, and unlicensed "supplement specialists" don't have this credibility. When a licensed adjuster's supplement lands on a carrier desk, it gets treated differently — and closed faster.

Xactimate Certification

Xactimate is the universal language of property claims. A supplement company that isn't Xactimate-certified is working at a disadvantage from day one. Our team writes directly in Xactimate using the correct regional pricing database, proper codes, and accurate condition modifiers.

Carrier-Side Experience

The Estimate Company was built by people who worked on the carrier side. We know how carriers train their adjusters, which internal guidelines they reference, and what arguments move the needle in a supplement review. That institutional knowledge is irreplaceable — and it's what you're hiring when you partner with us.

The Supplement Process: Step by Step

1. Free review: Submit your carrier estimate, photos, and scope documents. Our licensed adjusters analyze the claim at no cost.
2. Supplement identification: We identify every omitted, underpaid, or incorrectly priced item and document the justification (code citations, manufacturer specs, Xactimate data).
3. Xactimate supplement build: We construct the full supplement in Xactimate, properly coded and priced for your region.
4. Submission: A professional supplement letter accompanies the estimate, written to carrier standards by a Licensed Insurance Adjuster.
5. Follow-up: We manage all carrier communication until the supplement is resolved — no burden on your team.

The $5,000 Guarantee

The Estimate Company backs every supplement engagement with a $5,000 guarantee. If our Licensed Adjusters identify recoverable funds and our supplement process fails to close them, we stand behind the work financially. No other insurance supplement company for roofing offers this level of accountability because no other company is as confident in their team and process.

Coverage Across the Southeast and Beyond

We have deep operational experience in high-volume storm markets:

• South Carolina — Active hail corridor, specific SCDOI regulations
• Georgia — Heavy storm activity in the Atlanta metro and coastal markets
• North Carolina — Wind and coastal exposure, strict local code enforcement

We write supplements for contractors in all 50 states. If your carrier is leaving money in the estimate, we find it and we recover it.

Work With the Insurance Supplement Company That Works for You

The Estimate Company is not a generic virtual assistant service or an offshore writing farm. We're a team of Licensed Insurance Adjusters with real credentials, real carrier experience, and a real track record: 20,000+ estimates, 5,000+ supplements, and results across 50+ insurance companies.

If you're ready to stop accepting the carrier's first number, start with a free review. No obligation. No upfront cost. Just honest analysis from professionals who know what you're owed.