Hail Damage Roofing Supplement Writing
Hail claims are the most consistently underpaid event in residential roofing. Carriers rely on desk-written estimates, generic scopes, and automated tools that systematically omit high-nail zone premiums, ice & water shield upgrades, and code-mandated line items. Kyle Hamrick is a licensed insurance adjuster who spent years on the carrier side — he knows exactly what gets left out and exactly how to document it.
Why Hail Claims Get Underpaid
Insurance carriers process thousands of hail claims after every storm event. The volume forces them into templated, desk-written estimates that favor speed over accuracy. The result is a scope that covers the most visible damage — shingles and ridge cap — while systematically omitting the line items that make a full roof replacement code-compliant and profitable for the contractor doing the work.
The most common omissions on hail claims include high-nail zone premiums required by manufacturer warranty in wind-rated installations, ice & water shield upgrades mandated by local building codes after a hail event, correct drip edge quantities, sheathing re-nail costs when hail impact reveals deteriorated fastening, and accurate steep-slope charges on pitches above 7/12. These are not optional line items — they are code requirements and legitimate scope components that carriers routinely skip.
Kyle Hamrick's background as a licensed independent adjuster means every hail supplement is written with adjuster-level documentation — scope notes referencing code citations, photo evidence, measurement verification, and carrier-specific language that desk adjusters cannot easily dismiss. The supplements hold up under re-inspection because they are written the same way a carrier adjuster would evaluate them.
We also integrate directly with AccuLynx. If your CRM is AccuLynx, we work inside your existing workflow, using your job data and templates. No extra software, no learning curve, no handoff friction. Your team sees the supplement where they already work.
Xactimate Line Items We Recover on Hail Claims
These are the items carriers most consistently miss or underpay on residential hail damage scopes.
The $5,000 Guarantee
Send us 2 hail claims per week for 12 months. If you don't add a minimum of 6 figures to your annual margins from our supplementing, we write you a $5,000 check. No other supplement company backs their work like this. We do because the results speak for themselves.
Start With One Free Hail Review →Frequently Asked Questions
What Xactimate line items do carriers most often miss on hail claims?
Carriers routinely omit high-nail zone premiums, ice & water shield on full decks (required by code in many states after hail), architectural ridge cap billed separately from standard, pipe jack flashings per diameter, and sheathing re-nail when pull-through nails are present. A licensed adjuster catches all of these on every file.
How do I know if my hail claim has been underpaid?
If the carrier wrote the estimate without a field inspection, used a generic scope, or denied high-nail zones and steep charges, the claim is almost certainly underpaid. Submit the carrier estimate to us for a free review — we will identify every missed or underpaid line item before you commit to anything.
How long does a hail damage supplement take?
Standard hail supplements are returned within 24 hours of receiving the carrier estimate, photos, and measurements. Complex commercial or multi-structure files may require 48 hours.
What is your fee for hail damage supplement writing?
The Estimate Company charges 15% of the additional amount recovered through the supplement. If we do not recover additional money, you owe nothing. There are no upfront fees.
Can you work inside my AccuLynx account?
Yes. We write hail supplements directly inside your AccuLynx workflow using your templates and existing job data. No new software or logins required on your end.
Stop Leaving Hail Money on the Table
Submit one hail claim. We'll review it free and show you exactly what was missed before you commit to anything.