The Estimate Company
Insurance Supplement Services Built by Licensed Adjusters
We're licensed insurance adjusters — not just estimate writers. That means we know exactly how carriers price claims, what they're required to pay, and how to get them to pay it. Our insurance supplement services recover the full amount your roofing claims are worth.
Why Our Insurance Supplement Process Works
Most supplement companies are former contractors. We're former adjusters. We built estimates for 50+ carriers. We know every code citation, every negotiation angle, every line item carriers try to exclude — because we used to be on the other side of that conversation.
20+ Years IA Experience
Kyle and Lexie Hamrick are licensed independent adjusters who covered the Southeast corridor for two decades. 50+ carriers. 20,000+ estimates written.
24-Hour File Turnaround
Every supplement is submitted to the carrier within 24 hours. We don't batch files. Every job gets the same urgency.
2–3x Weekly Follow-Up
We call and email carriers 2–3 times per week on every open file. Most supplement companies submit and wait. We don't.
What We Recover That Carriers Skip
Insurance adjusters are incentivized to close files fast and low. These are the 8 line items we find on almost every underpaid roofing claim.
Starter Strip
Manufacturer requires eaves and rakes — carriers skip rakes
Ice & Water Shield
Valleys + eaves per IRC — often omitted entirely
Drip Edge (Code Upgrade)
R905.2.8.5 requires both eaves and gables
Steep Charge
10/12+ pitch adds labor — frequently missed
High Roof Charge
2+ story properties require additional labor factor
Overhead & Profit
Required when GC coordinates trades — carriers often omit
Permit Fees
Required by AHJ — should always be included
Step Flashing R&R
Cannot be reused after tearoff — IRC 908.5
How the Insurance Supplement Process Works
Send Us the File
Email us the carrier's estimate PDF, your EagleView or roof measurement report, and any damage photos. That's everything we need.
We Write the Supplement
We review the carrier's scope against the actual roof measurements and code requirements. Every missed line item gets documented with Xactimate codes and code citations.
Submit to Carrier Within 24 Hours
We submit the full supplement directly to the desk adjuster. We include supporting documentation — manufacturer requirements, IRC code language, and measurement proof.
Follow Up Until Paid
We contact the carrier 2–3 times per week until the supplement is approved and the check is issued. You hand off the file — we run it to the finish line.
Frequently Asked Questions
What is an insurance supplement service for roofing?
An insurance supplement service reviews a carrier's initial estimate, identifies all missed or underpaid line items, writes a formal Xactimate supplement, and negotiates with the adjuster until the additional scope is approved and paid. Common missed items include starter strip, ice and water shield, drip edge code upgrades, steep charge, high roof charge, O&P, and permit fees.
How much does a roof insurance supplement service cost?
The Estimate Company charges 15% of the supplemental recovery — nothing upfront, and nothing if nothing is recovered. On a typical residential supplement, contractors recover $2,000–$8,000+ in additional approved amounts. Our fee is only charged on the delta we recover, not the full claim.
How long does the insurance supplement process take?
We submit the supplement to the carrier within 24 hours of receiving the file. Carrier review and approval typically takes 1–3 weeks depending on the carrier. We follow up 2–3 times per week and push for faster resolution on every file.
What carriers do you work with for insurance supplements?
We work with all major carriers including State Farm, Allstate, USAA, Travelers, Nationwide, Liberty Mutual, Farmers, and 40+ others. We have specific experience with each carrier's pricing preferences and negotiation patterns from 20+ years as licensed independent adjusters.
What information do you need to start a supplement?
Send us the carrier's initial estimate (PDF), your EagleView or roof measurement report, and any photos of missed damage. That's it. We handle everything from there — scope review, Xactimate supplement writing, submission, and carrier follow-up.
Ready to Recover What You're Owed?
Send us one claim at no cost. We'll show you exactly what the carrier missed and what it's worth.
Start Your Free Supplement →