Metal Roof Insurance Supplement Writing
Metal roofing insurance claims are routinely written with asphalt shingle logic — wrong Xactimate codes, incorrect labor rates, missing system-specific trim items, and panel profiles that don't match. Kyle Hamrick is a licensed insurance adjuster who supplements metal roof claims with the correct system codes, material specifications, and documentation carriers require to pay the full scope.
The Problem With Metal Roof Insurance Estimates
Metal roofing systems — standing seam, corrugated R-panel, and steel shingle — are priced fundamentally differently from asphalt shingles. The material costs are higher, the installation labor is more specialized, and the trim components are system-specific. Despite this, carriers frequently write metal roof estimates using generic or asphalt-era codes that produce dramatically lower valuations than the actual replacement cost.
The most common error is applying a generic RFG/MTL code instead of the system-specific standing seam or R-panel codes with current Xactimate pricing for your region. The difference between a generic metal code and the correct standing seam code can be $3–5 per square foot — on a 30-square commercial building, that is thousands of dollars per estimate. We use the correct codes. Every time.
Metal roof trim is another area where carriers consistently underperform. Ridge cap, rake trim, eave trim, sidewall flashing, endwall flashing, closure strips, and panel-compatible pipe boots are all separate Xactimate line items. Carriers lump them under a generic flashing category or omit them entirely. A complete metal roof supplement documents every trim component individually with correct lineal footage and system-appropriate pricing.
We work inside AccuLynx for metal roofing contractors using that CRM. Metal supplements are delivered within 24 hours as PDF and ESX file for Xactimate users.
Xactimate Line Items We Recover on Metal Roof Claims
Metal roofing requires system-specific codes and documentation. These are the items carriers miss or misprice on virtually every metal roof claim.
The $5,000 Guarantee
Send us 2 metal roof claims per week for 12 months. If you don't add a minimum of 6 figures to your annual margins, we write you a $5,000 check. Metal roof claims carry some of the highest per-file supplement recovery numbers we see.
Start With a Free Metal Roof Review →Frequently Asked Questions
What types of metal roofing do you write supplements for?
We write metal roof supplements for standing seam panels (snap-lock and mechanical seam), exposed fastener corrugated/R-panel, steel shingles (metal shingle systems), copper roofing, and aluminum panel systems. Each system has different Xactimate codes, material pricing, and installation labor rates — we use the correct category for every file.
Why do carriers undervalue metal roof claims?
Metal roofing is priced significantly higher than asphalt shingles, and carriers frequently apply asphalt shingle logic to metal claims — using incorrect material codes, underestimating labor for standing seam systems, and omitting trim and flashing components that are system-specific. A licensed adjuster-authored supplement documents the correct material specification, proper labor rates for metal roofing installation, and all associated trim costs.
Can you supplement a metal roof when the carrier says it can be spot-repaired?
Yes. Metal roof spot repairs are often technically impossible without compromising the panel system's integrity or warranty. We document why a full panel replacement or full section replacement is required — including manufacturer warranty requirements for uninterrupted panel runs and matching criteria for panel profiles and coatings.
What trim and flashing items do carriers miss on metal roof claims?
Ridge cap, rake trim, eave trim, hip trim, valley flashing, sidewall and endwall flashings, pipe boots designed for metal panel systems, and closure strips at panel terminations are all separate line items. Carriers routinely omit most of these from initial metal roof scopes.
What is your turnaround for metal roof supplements?
Metal roof supplements are returned within 24 hours for residential systems. Larger commercial metal roof files may require 48 hours. We deliver in PDF and Xactimate ESX format.
Get Paid for the Full Metal Roof Scope
Submit your metal roof file. We'll review it free and identify every code error and omission in the carrier estimate.