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. That's why our relationships with insurance companies are strong.

What results have you achieved for contractors?

We have 4 contractors who, within 12 months of working with us, brought in an additional 6 figures of supplemental income that was previously left on the table.

What makes you different from other supplement companies?

Multi-state adjuster licenses across SC, NC, GA, TX, and AL. Next-day turnaround. 20+ years of independent adjuster experience across 50+ carriers. When we write a supplement, it's written in the language adjusters accept, with F9 notes, photo documentation, and code citations on every line item. No fluff. No kitchen-sink padding. Just defensible, verifiable line items.

I'm new to supplementing. What can you guarantee?

Send us an average of 2 insurance claims per week for one year, and we guarantee a minimum of six figures in additional profit margins. If we don't hit that goal, we'll write you a check for $5,000 at the end of 12 months. At our current rate, our fee is 15% of what we recover, which means for every dollar you pay us, you're getting more than 5x back. That's a 500%+ return on every supplemented claim.

How does a roofing supplement company work?

We review the carrier's original estimate, identify every line item that's missing, underpaid, or inconsistent with local codes and manufacturer standards, then write a supplemental Xactimate estimate. We submit it directly to the desk adjuster with documentation (photos, code citations, manufacturer specs) and follow up 2-3x per week until it's resolved. You get paid more without doing the paperwork.

What does a roofing supplement company charge?

We charge 15% of what we recover beyond the carrier's original payment. You pay nothing unless we get you more money. At that rate, for every dollar you pay us, you're getting more than 5x back, a 500%+ return.

How long does a roof supplement take?

Most residential supplements are written and submitted same-day or next-day. Larger supplement and retail jobs may take 1-3 extra days; large commercial projects take longer, and we'll always tell you the realistic timeline upfront. Carrier response typically takes 1-3 weeks depending on the carrier and complexity. We follow up every 2-3 days. Most supplements are resolved within 2-4 weeks from submission.

Is hiring a supplement company worth it?

At 15% contingency, yes. Almost always. The average residential supplement we write recovers $3,000-$7,500 beyond the original carrier payment. For a $5,000 recovery, you net $4,250 and pay us $750. For contractors doing 2+ insurance claims per week, that compounds to six figures annually.

What is a roof supplement?

A roof supplement is a formal request to an insurance carrier to revise their original estimate upward, adding line items they missed (starter strip, ice & water shield, drip edge, high-profile ridge cap, steep slope charges, etc.) or correcting underpaid quantities. It's submitted as a Xactimate estimate with supporting documentation.

What line items do carriers most commonly miss?

Starter strip at eaves and rakes, ice & water shield, high-profile ridge cap, step flashing, drip edge replacement, dumpster/haul-away, steep slope labor surcharges, and renail sheathing when required by code. These alone can add $2,000-$5,000 to an average residential roof claim.

Do you work with all insurance carriers?

Yes. We've worked across 50+ carriers including State Farm, Allstate, USAA, Travelers, Nationwide, Farmers, Progressive, Liberty Mutual, and most regional carriers. Each carrier has different internal guidelines. We know them and write accordingly.

Can you help if a claim was denied?

Yes. Denials are often overturnable. We review the denial reason, build a documented rebuttal with code citations and photo evidence, and submit a formal supplement or re-inspection request. We've overturned denied roof claims and converted partial payments to full approvals.

What is Xactimate and why does it matter?

Xactimate is the industry-standard estimating software used by virtually every major insurance carrier. Supplements written in Xactimate are taken seriously by desk adjusters. We build every estimate natively in Xactimate. Not a spreadsheet, not a PDF, not a contractor invoice. That's why our supplements get approved.

Do you work with contractors outside your licensed states?

Yes. We serve roofing contractors nationwide. Our adjuster licenses (SC, NC, GA, TX, AL) allow us to operate as licensed IAs in those states, but we write supplements and estimates for contractors in all 50 states. The license is about our credentials, not our coverage area.

What is AccuLynx and can you work in it?

AccuLynx is a roofing-specific CRM used by many mid-to-large contractors to manage jobs, documents, and measurements. Yes. We can work directly inside your AccuLynx account using your existing templates and workflows. Most supplement companies can't do this. We can.

How do I send you a file?

Email us the carrier's estimate (PDF), your EagleView or measurement report, any photos of missed damage, and a brief note on anything specific about the claim. That's it. We handle the rest, same-day or next-day for most residential jobs.

A Fully Approved Claim Still Left ~$405K on the Table

Not every opportunity is an overturn. On a multi-building townhouse project, State Farm had already fully approved and paid the claim, roof replacement wasn't in question, and the work was moving forward.

But an approved claim isn't the same as a complete one. We did a full comb-through of the photos and 3D imagery on the project, applying the same per-carrier fluency we use on every file, and found a substantial amount of legitimate, justifiable scope that had been left off the original estimate.

The missed categories included:

Flashing components
Supervisory labor
OSHA-required safety items
Missing shingle-system components
Significantly underscoped debris removal

State Farm reviewed the supplement and agreed.

Initial approved

~$989,000

Final approved

~$1,394,000

Recovered

~$405,000

This is the piece most contractors miss: an approved claim can still be an underpaid claim. We treat every file, whether it starts as a denial or a fully-approved job, with the same line-by-line scrutiny.

State omitted. Complex and client details withheld per standard practice.