The Estimate Company
Maximize Your Roofing Insurance Payout
The carrier's first offer is rarely their best. Our licensed adjusters know exactly what carriers miss — and exactly how to write back. We've taken claims from $9,000 to $22,000. We work on contingency: if we don't recover, you don't pay.
Start With a Free Supplement →Why Carriers Underpay Roofing Claims
Insurance carriers aren't paying what they should — not because the damage isn't there, but because their adjusters are incentivized to minimize payout. Staff adjusters work on volume. They use templates, skip line items that require justification, and bank on contractors not knowing what to push back on.
The result: the average initial carrier estimate on a residential roofing claim is $4,000–$8,000 below what the full scope of work actually costs. Roofing contractors who don't supplement are leaving real money on every job — and often absorbing losses they shouldn't be.
Template-Based Scoping
Carrier adjusters use standardized templates that leave out code-required items like drip edge, starter strip at rakes, and high-profile ridge cap. They assume you won't notice.
Price List Manipulation
Carriers use outdated or low-region price lists. A licensed adjuster knows which price list applies and can force the correct one into any supplement.
Undercounted Quantities
Adjusters frequently short-measure roof squares, valley lengths, and linear items. Even a 5% shortfall on a $18,000 job costs $900 per claim.
Missing Overhead & Profit
O&P is required by most policies when a general contractor or roofing contractor coordinates the work. Carriers routinely exclude it unless challenged in writing.
Real Example: $9,000 → $22,000
What we recovered:
- ✓ Full perimeter drip edge — $640
- ✓ Starter strip at eaves and rakes — $580
- ✓ High-profile ridge cap upgrade — $820
- ✓ Ice & water shield, full valleys — $1,100
- ✓ Steep slope charge (8/12 pitch) — $1,900
- ✓ Overhead & profit (20%) — $4,800
- ✓ Permit, disposal, miscellaneous code items — $1,460
Total additional recovery: $13,300
5 Line Items Most Contractors Never Ask For
Overhead & Profit (O&P)
When a general contractor or primary roofing contractor coordinates the claim, O&P (typically 20%) is owed under most policies. Most contractors don't know to ask — and carriers won't bring it up.
High-Profile Ridge Cap
Architectural shingles require architectural ridge cap — not 3-tab. The upgrade cost is real and carrier-payable. Standard carrier templates default to the cheapest option.
Re-Nailing for High-Wind Zones
Many jurisdictions require 6-nail patterns in high-wind zones. This is a separate Xactimate line item with its own labor cost — and almost never included in initial scopes.
Detach & Reset Gutters
If gutters must be removed to replace the roof, that's a billable line item. Carriers routinely omit it assuming the contractor will absorb the cost.
Pipe Jack Flashings & Boots
Every penetration needs a new flashing. Carriers often include one or two and ignore the rest. We count every penetration and include every boot.
The 15% Contingency Model — Only Pay If We Recover
We don't charge upfront. We charge 15% of the additional amount we recover above the carrier's original estimate. If we don't recover anything beyond what the carrier already paid, you owe us nothing.
500%+ ROI — Guaranteed
Work with us on 2 claims per week for 12 months. We guarantee you'll add a minimum of six figures in additional margin — or we write you a $5,000 check. No fine print.
Get Your First Supplement Free →