Services
Commercial Roofing
Supplement Company
Commercial roofing claims are larger, more complex, and more underpaid than residential. The Estimate Company specializes in commercial roofing supplements and retail estimates — TPO, EPDM, metal, modified bitumen, and flat systems — with 24-hour turnaround and aggressive carrier follow-up.
Why Commercial Claims Are More Complex
Commercial roofing claims are a different animal from residential. The square footage is larger — sometimes by an order of magnitude — which means every pricing error is amplified. A carrier adjuster who misquotes TPO seam repair pricing by $0.50 per linear foot on a 100,000 sq ft roof has created a five-figure underpayment in a single line item.
Commercial systems also have more moving parts. TPO and EPDM require documentation of membrane type, fastener pattern, seam configuration, edge metal system, and penetration flashings. Metal roofing requires accurate panel counts, trim quantities, and sealant linear footage. Built-up and modified bitumen systems need layer-by-layer documentation and correct aggregate surfacing quantities.
Then there's depreciation. Commercial roofs carry longer expected lifespans than residential, which means larger base values subject to depreciation — and more aggressive carrier positions on how much is recoverable. Kyle and Lexie Hamrick's background as licensed insurance adjusters means they understand exactly how carriers calculate depreciation, which makes the recovery arguments airtight.
The Estimate Company has processed commercial roofing claims from small retail strip centers to large industrial facilities, across all major US carriers. We know where the money is being left on the table — and we go get it.
Commercial Systems We Cover
TPO (Thermoplastic Polyolefin)
The most common commercial low-slope roofing system. TPO supplements require precise square footage, seam and flashing documentation, fastener pattern verification, and correct material-grade pricing. Carriers frequently underestimate TPO seam repair and edge metal.
EPDM (Ethylene Propylene Diene Monomer)
Single-ply rubber roofing common on commercial and industrial buildings. EPDM supplements must account for adhesive quantities, seam tapes, perimeter termination bars, and penetration flashings — all commonly missed on carrier estimates.
Metal Roofing
Standing seam and exposed fastener metal roofing on commercial structures. Large panel counts, ridge and hip cap pricing, trim and transition pieces, and sealant quantities are routinely undercounted on carrier estimates for metal roofs.
Flat / Built-Up Roofing (BUR)
Multi-ply systems using alternating layers of bitumen and reinforcing fabrics. BUR supplements involve layer-count documentation, aggregate surfacing, drain and overflow drain pricing, and tapered insulation — all areas of frequent carrier shortfall.
Modified Bitumen
Torch-down and self-adhering modified bitumen systems. Mod-bit supplements frequently require documentation of base sheet, cap sheet, seam overlap quantities, and membrane terminations — items carriers often undercount on large commercial jobs.
Commercial Supplements & Retail Estimates
Commercial Supplements
You have an approved commercial claim, but the carrier's estimate is incomplete. We review it line by line, write the supplement in Xactimate, submit it, and follow up with the carrier 2-3x per week until every missed item is approved and paid.
- →Full Xactimate supplement within 24 hours
- →2-3x weekly carrier follow-up
- →Depreciation recapture documentation
- →Code upgrade and permit line items
- →Material and labor quantity corrections
Commercial Retail Estimates
No insurance claim? No problem. We write standalone commercial Xactimate estimates for retail jobs, bids, client proposals, and pre-claim documentation. ESX + PDF delivered within 24 hours.
- →Standalone estimate (no carrier required)
- →ESX file + PDF delivery
- →All commercial roofing systems
- →Any square footage
- →Use for bids, proposals, or supporting docs
Licensed IA Experience You Can Count On
Kyle and Lexie Hamrick are licensed insurance adjusters with over 40 years combined experience — not contractors, not estimators, not software operators. They've worked claims from both sides of the table, which means they know exactly how carriers think, where they cut corners, and what documentation is required to force approval on a commercial supplement.
That experience across 50+ carriers and 20,000+ estimates is what you get when you send a commercial job to The Estimate Company. We've seen every carrier tactic, every lowball scope, and every depreciation argument — and we know how to respond.
The TEC Guarantee
Send us 2 claims per week for 12 months and we guarantee you add a minimum of 6 figures in additional margin to your business. If you don't, we write you a $5,000 check. Commercial claims tend to generate the largest individual supplements — the ROI on commercial work is exceptional.
Frequently Asked Questions
Why are commercial roofing supplements more complex than residential?
Commercial roofing claims involve significantly larger square footage, more system-specific line items, and extended depreciation schedules. A carrier adjuster who primarily works residential claims may not know the correct pricing structure for TPO seam repairs or EPDM adhesive quantities. The mistakes compound on large roofs — a small per-square error on a 50,000 sq ft commercial roof is a massive dollar gap.
Do you handle both commercial supplements AND commercial retail estimates?
Yes. We offer both services for commercial projects. Commercial supplements address existing insurance claims and add missed items back to the scope. Commercial retail estimates are standalone Xactimate documents for non-insurance jobs, bids, or scope documentation. Both are delivered within 24 hours.
What commercial roofing systems do you cover?
We cover all major commercial systems: TPO, EPDM, metal (standing seam and exposed fastener), modified bitumen (torch-down and self-adhering), built-up roofing (BUR), and spray polyurethane foam (SPF). If it's in Xactimate, we can supplement it.
How do you handle depreciation on commercial claims?
Commercial depreciation schedules are more complex than residential — longer life expectancy tables, larger base values, and more line items subject to depreciation. We document the actual condition of the roof system, apply the correct recovery codes, and supplement for full recoverable depreciation wherever the carrier has under-applied it.
What do you need from me to start a commercial supplement?
Send us the carrier's estimate, photos or drone footage if available, the property address, and any notes about the roof system and condition. We'll review the carrier estimate, identify every missed item, and deliver the supplement within 24 hours.
Send us your commercial job.
Supplement or retail estimate — we'll deliver within 24 hours.